# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-26-065650
**Filing Date:** 2026-5
**Character Count:** 5662888
**Document Hash:** 01108467cc857f0eb4144c252112c11b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-065650.hdr.sgml**: 20260522

**ACCESSION NUMBER**: 0001104659-26-065650

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

**PUBLIC DOCUMENT COUNT**: 47

**CONFORMED PERIOD OF REPORT**: 20260522

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

**FILED AS OF DATE**: 20260522

**DATE AS OF CHANGE**: 20260522

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 261012949

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002083697

**Verus Securitization Trust 2026-5**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

---

| |
|:---|
| Danny Rosenberg |
| (202) 534-1815 |
| Name and telephone number, including area code, of the person to |
| contact in connection with this filing |

---

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure**

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1**

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm2615156d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2615156d1_ex99-1.htm) |
| [99.2](tm2615156d1_ex99-2.htm) | [AMC Data Compare Report](tm2615156d1_ex99-2.htm) |
| [99.3](tm2615156d1_ex99-3.htm) | [AMC Exception Grades](tm2615156d1_ex99-3.htm) |
| [99.4](tm2615156d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2615156d1_ex99-4.htm) |
| [99.5](tm2615156d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2615156d1_ex99-5.htm) |
| [99.6](tm2615156d1_ex99-6.htm) | [AMC Valuation Report](tm2615156d1_ex99-6.htm) |
| [99.7](tm2615156d1_ex99-7.htm) | [AMC Supplemental Data](tm2615156d1_ex99-7.htm) |
| [99.8](tm2615156d1_ex99-8.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2615156d1_ex99-8.htm) |
| [99.9](tm2615156d1_ex99-9.htm) | [Canopy Rating Agency Grades Detail Report](tm2615156d1_ex99-9.htm) |
| [99.10](tm2615156d1_ex99-10.htm) | [Canopy Rating Agency Grades Summary Report](tm2615156d1_ex99-10.htm) |
| [99.11](tm2615156d1_ex99-11.htm) | [Canopy Data Compare Report](tm2615156d1_ex99-11.htm) |
| [99.12](tm2615156d1_ex99-12.htm) | [Canopy ATR QM Report](tm2615156d1_ex99-12.htm) |
| [99.13](tm2615156d1_ex99-13.htm) | [Canopy Valuation Report](tm2615156d1_ex99-13.htm) |
| [99.14](tm2615156d1_ex99-14.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2615156d1_ex99-14.htm) |
| [99.15](tm2615156d1_ex99-15.htm) | [Clarifii Rating Agency Grades Detail Report](tm2615156d1_ex99-15.htm) |
| [99.16](tm2615156d1_ex99-16.htm) | [Clarifii Rating Agency Grades Summary Report](tm2615156d1_ex99-16.htm) |
| [99.17](tm2615156d1_ex99-17.htm) | [Clarifii Data Compare Report](tm2615156d1_ex99-17.htm) |
| [99.18](tm2615156d1_ex99-18.htm) | [Clarifii ATR QM Report](tm2615156d1_ex99-18.htm) |
| [99.19](tm2615156d1_ex99-19.htm) | [Clarifii Valuation Report](tm2615156d1_ex99-19.htm) |
| [99.20](tm2615156d1_ex99-20.htm) | [Clarifii Tax and Title Report](tm2615156d1_ex99-20.htm) |
| [99.21](tm2615156d1_ex99-21.htm) | [Clarifii Multi Property Valuation Report](tm2615156d1_ex99-21.htm) |
| [99.22](tm2615156d1_ex99-22.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")](tm2615156d1_ex99-22.htm) |
| [99.23](tm2615156d1_ex99-23.htm) | [Selene Rating Agency Grades Detail Report](tm2615156d1_ex99-23.htm) |
| [99.24](tm2615156d1_ex99-24.htm) | [Selene Rating Agency Grades Report](tm2615156d1_ex99-24.htm) |
| [99.25](tm2615156d1_ex99-25.htm) | [Selene Data Compare Report](tm2615156d1_ex99-25.htm) |
| [99.26](tm2615156d1_ex99-26.htm) | [Selene ATR QM Detail](tm2615156d1_ex99-26.htm) |
| [99.27](tm2615156d1_ex99-27.htm) | [Selene Valuations Report](tm2615156d1_ex99-27.htm) |
| [99.28](tm2615156d1_ex99-28.htm) | [Selene Multi Property Valuation Report](tm2615156d1_ex99-28.htm) |
| [99.29](tm2615156d1_ex99-29.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2615156d1_ex99-29.htm) |
| [99.30](tm2615156d1_ex99-30.htm) | [Clayton Conditions Report](tm2615156d1_ex99-30.htm) |
| [99.31](tm2615156d1_ex99-31.htm) | [Clayton Loan Level Tape Compare Upload](tm2615156d1_ex99-31.htm) |
| [99.32](tm2615156d1_ex99-32.htm) | [Clayton Non ATR QM Upload](tm2615156d1_ex99-32.htm) |
| [99.33](tm2615156d1_ex99-33.htm) | [Clayton Rating Agency Grades Report](tm2615156d1_ex99-33.htm) |
| [99.34](tm2615156d1_ex99-34.htm) | [Clayton Valuations Summary](tm2615156d1_ex99-34.htm) |
| [99.35](tm2615156d1_ex99-35.htm) | [Clayton Multi Property Valuation Report](tm2615156d1_ex99-35.htm) |

---

**SIGNATURE**

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

Date: May 22, 2026

---

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

---

## Exhibit 99.1

**EXHIBIT 99.1**

**AMC DILIGENCE, LLC ("AMC") DUE DILIGENCE EXECUTIVE SUMMARY**

![](tm2611390d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from May 2025 through April 2026 on Loans with origination dates from April 2025 through February 2026 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained eighty-one (81) Loans totaling an aggregate original principal balance of approximately $36.271 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), DBRS ("DBRS") and Moody's Investors Service, Inc. ("Moodys").

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

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

---

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

---

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

1 \| P a g e

![](tm2611390d1_ex99-1img001.jpg)

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

Of specific note, there were nine (9) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, one (1) Loan utilized twelve (12) months P&L statements, and seven (7) Loans utilized twelve (12) through twenty-three (23) months of bank statements. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with one (1) Loan only having 24 months of income verification.

There were twelve (12) Loans that were considered Business Purpose/Property Focused Investor Loans. Sixty (60) Loans were Property Focused Loans with DSCR calculation.

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

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

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

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

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

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

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

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

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

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![](tm2611390d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](tm2611390d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

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

&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);

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iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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*<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.

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

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

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

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

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

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.

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

**(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.

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![](tm2611390d1_ex99-1img001.jpg)

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the eighty-one (81) Loans reviewed under the applicable grading criteria, all eighty-one (81) Loans received an overall "A "or B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys & DBRS Overall Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Overall Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;65 | &nbsp;&nbsp;80.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2611390d1_ex99-1img001.jpg)

**COMPLIANCE RESULTS SUMMARY**

Of the nine (9) Loans reviewed for compliance under the applicable Moodys & DBRS grading criteria, all nine (9) Loans received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Moodys & DBRS Compliance Loan Grades** | &nbsp;&nbsp; **Moodys & DBRS Compliance Loan Grades** | &nbsp;&nbsp; **Moodys & DBRS Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &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;**9** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Loan Grades**

**CREDIT RESULTS SUMMARY**

All eighty-one (81) Loans reviewed under the applicable grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys & DBRS Credit Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Credit Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;68 | &nbsp;&nbsp;83.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.05% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** |

---

**Credit Loan Grades**

**PROPERTY/VALUATION RESULTS SUMMARY**

All eighty-one (81) Loans reviewed under the applicable grading criteria received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys & DBRS Property Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Property Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;81 | &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;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &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;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***22*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**29** |

---

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![](tm2611390d1_ex99-1img001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the eighty-one (81) Loans reviewed, sixty-six (66) unique Loans had one hundred sixty-one (161) different tape discrepancies across twenty-six (26) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Subject Debt Service Coverage Ratio and Note Date, where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;81 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;44 | &nbsp;&nbsp;2.27% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;37 | &nbsp;&nbsp;81 | &nbsp;&nbsp;45.68% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;5 | &nbsp;&nbsp;15 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;10 | &nbsp;&nbsp;14 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;7 | &nbsp;&nbsp;49 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;25 | &nbsp;&nbsp;28.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;58 | &nbsp;&nbsp;6.90% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;3 | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;37 | &nbsp;&nbsp;54.05% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;36 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;81 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;81 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;44 | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;48 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;3 | &nbsp;&nbsp;14 | &nbsp;&nbsp;21.43% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;76 | &nbsp;&nbsp;3.95% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;79 | &nbsp;&nbsp;6.33% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;81 | &nbsp;&nbsp;2.47% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;21 | &nbsp;&nbsp;55 | &nbsp;&nbsp;38.18% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;81 | &nbsp;&nbsp;6.17% | &nbsp;&nbsp;81 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**1869** | &nbsp;&nbsp;**8.61%** | &nbsp;&nbsp;**81** |

---

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![](tm2611390d1_ex99-1img001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;79 | &nbsp;&nbsp;97.53% | &nbsp;&nbsp;$35154923.00 | &nbsp;&nbsp;96.92% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.47% | &nbsp;&nbsp;$1116500.00 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36271423.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$36271423.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36271423.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;55 | &nbsp;&nbsp;67.90% | &nbsp;&nbsp;$22396974.00 | &nbsp;&nbsp;61.75% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;27.16% | &nbsp;&nbsp;$10894349.00 | &nbsp;&nbsp;30.04% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.94% | &nbsp;&nbsp;$2980100.00 | &nbsp;&nbsp;8.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36271423.00** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2611390d1_ex99-1img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$36271423.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36271423.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;45 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;$19236675.00 | &nbsp;&nbsp;53.04% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$1893929.00 | &nbsp;&nbsp;5.22% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$1419820.00 | &nbsp;&nbsp;3.91% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.05% | &nbsp;&nbsp;$7879199.00 | &nbsp;&nbsp;21.72% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.47% | &nbsp;&nbsp;$710000.00 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.94% | &nbsp;&nbsp;$1824150.00 | &nbsp;&nbsp;5.03% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;$756000.00 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$1939150.00 | &nbsp;&nbsp;5.35% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;$612500.00 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36271423.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.64% | &nbsp;&nbsp;$6306994.00 | &nbsp;&nbsp;17.39% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;73 | &nbsp;&nbsp;90.12% | &nbsp;&nbsp;$28124429.00 | &nbsp;&nbsp;77.54% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;$1840000.00 | &nbsp;&nbsp;5.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**81** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$36271423.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

**EXHIBIT 99.2**

**AMC DATA COMPARE REPORT**

![](tm2615156d1_ex99-2img001.jpg)

**Data Compare**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxxxxx | 834391 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 834391 | xxxxxx |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 834391 | xxxxxx |  |  | Cash From Borrower | 0.00 | 320347.90 | Verified | Field value reflects source document |
| xxxxxx | 834391 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 835831 | xxxxxx |  |  | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 835831 | xxxxxx |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 835831 | xxxxxx |  |  | Cash To Borrower | 824181.00 | 826327.99 | Verified | Field value reflects source document |
| xxxxxx | 835831 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842434 | xxxxxx |  |  | Cash To Borrower | 98000.00 | 56191.92 | Verified | Field value reflects source document |
| xxxxxx | 842434 | xxxxxx |  |  | Original HLTV | 0 | 57.31667 | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | Representative FICO | 680 | 0 | Verified | Borrower is foreign national |
| xxxxxx | 847125 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.77 | 1.62 | Verified | Field value reflects source document |
| xxxxxx | 848709 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848709 | xxxxxx |  |  | Cash To Borrower | 51548.00 | 95214.68 | Verified | Field value reflects source document |
| xxxxxx | 848709 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 848710 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848710 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848710 | xxxxxx |  |  | Cash To Borrower | 0.00 | 401456.45 | Verified | Field value reflects source document |
| xxxxxx | 848710 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 849095 | xxxxxx |  |  | Cash To Borrower | 210000.00 | 244657.27 | Verified | Field value reflects source document |
| xxxxxx | 849095 | xxxxxx |  |  | Original HLTV | 0 | 38.51852 | Verified | Field value reflects source document |
| xxxxxx | 849550 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849550 | xxxxxx |  |  | Cash From Borrower | 0.00 | 17318.41 | Verified | Field value reflects source document |
| xxxxxx | 849550 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850225 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850225 | xxxxxx |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 850225 | xxxxxx |  |  | Cash From Borrower | 0.00 | 2120.44 | Verified | Field value reflects source document |
| xxxxxx | 850225 | xxxxxx |  |  | Original HLTV | 0 | 49.53125 | Verified | Field value reflects source document |
| xxxxxx | 850261 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850261 | xxxxxx |  |  | Cash To Borrower | 126814.00 | 126521.88 | Verified | Field value reflects source document |
| xxxxxx | 850261 | xxxxxx |  |  | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 850519 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850519 | xxxxxx |  |  | Representative FICO | 761 | 783 | Verified | Highest mid-FICO of all guarantors |
| xxxxxx | 850519 | xxxxxx |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 850816 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 850816 | xxxxxx |  |  | Original Interest Rate | 7.125 | 7.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 850816 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850816 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850816 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 850816 | xxxxxx |  |  | Original CLTV | 51.1509 | 59.67181 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 850816 | xxxxxx |  |  | Original LTV | 51.1509 | 59.67181 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 850816 | xxxxxx |  |  | Cash From Borrower | 0.00 | 904794.25 | Verified | Field value reflects source document |
| xxxxxx | 850816 | xxxxxx |  |  | Original HLTV | 0 | 59.67181 | Verified | Field value reflects source document |
| xxxxxx | 850971 | xxxxxx |  |  | First Payment Date |  | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 850971 | xxxxxx |  |  | Cash To Borrower | 18055.00 | 11591.69 | Verified | Field value reflects source document |
| xxxxxx | 850971 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851407 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851407 | xxxxxx |  |  | Prepayment Penalty Period (months) |  | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 851611 | xxxxxx |  |  | Cash To Borrower | 211400.00 | 201194.99 | Verified | Field value reflects source document |
| xxxxxx | 851611 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 851696 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851696 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851696 | xxxxxx |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | The Bid Tape Field Value was not provided |
| xxxxxx | 851696 | xxxxxx |  |  | Cash From Borrower | 193789.40 | 199664.40 | Verified | Field value reflects source document |
| xxxxxx | 851906 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 851906 | xxxxxx |  |  | Cash To Borrower | 0.00 | 1523.24 | Verified | Field value reflects source document |
| xxxxxx | 851906 | xxxxxx |  |  | Original HLTV | 0 | 57.63889 | Verified | Field value reflects source document |
| xxxxxx | 852394 | xxxxxx |  |  | Representative FICO | 810 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 852394 | xxxxxx |  |  | Cash To Borrower | 372855.79 | 368293.56 | Verified | Field value reflects source document |
| xxxxxx | 852394 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 852708 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852708 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.74 | 1.80 | Verified | Due to rounding. |
| xxxxxx | 852708 | xxxxxx |  |  | Representative FICO | 680 |  | Verified | Foreign National without US credit or US credit scores |
| xxxxxx | 854377 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Due to Round-off value. |
| xxxxxx | 854379 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854379 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 854710 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 854710 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.22 | Verified | Due to discrepancy in monthly property tax amount. |
| xxxxxx | 854712 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854712 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854712 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.34 | Verified | DSCR calculated as Total rents $7,720 by Total expense $5,724.43 |
| xxxxxx | 855203 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | Field value reflects source document |
| xxxxxx | 855691 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855691 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855691 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.13 | Verified | Field value reflects source document |
| xxxxxx | 856424 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856424 | xxxxxx |  |  | Representative FICO | 656 | 653 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 856424 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.19 | Verified | DSCR correctly calculated as per the provided documents. |
| xxxxxx | 856430 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856430 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856434 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856434 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856434 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Refinance transaction |
| xxxxxx | 856440 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856450 | xxxxxx |  |  | Original LTV | 74.61 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 856454 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856454 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Per property history report/appraisal |
| xxxxxx | 856459 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856459 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856462 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856462 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856462 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.42 | 1.43 | Verified | Rounding Factor |
| xxxxxx | 856468 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856468 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Refinance transaction |
| xxxxxx | 856469 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 856469 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856469 | xxxxxx |  |  | Original P&I | 5796.88 | 5796.87 | Verified | Field Value reflects Note value |
| xxxxxx | 856470 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856475 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856475 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856475 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 856485 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 856485 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Rounding Factor |
| xxxxxx | 856488 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856488 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Revised once fees were corrected. |
| xxxxxx | 856491 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856491 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856494 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856494 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | DSCR discrepancy due to round off |
| xxxxxx | 856496 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856496 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 856496 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Rounding Factor |
| xxxxxx | 856497 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856497 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856498 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856498 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856498 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.77 | 1.44 | Verified | HOA fee updated per appraisal |
| xxxxxx | 856503 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856503 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | DSCR mismatch Due to round-off value. |
| xxxxxx | 856506 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857128 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857128 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857602 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857603 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857608 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857609 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857610 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857624 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857626 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857626 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857626 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.10 | Verified | Due to lender did not use the 1.25% for taxes |
| xxxxxx | 857630 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857630 | xxxxxx |  |  | Original CLTV | 70 | 52.97727 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 857630 | xxxxxx |  |  | Original LTV | 70 | 52.97727 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 857630 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857825 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857825 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified | Discrepancy due to rounding. |
| xxxxxx | 857826 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857827 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857827 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857827 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Refinance file |
| xxxxxx | 857827 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.85 | Verified | DSCR Rounded Up |
| xxxxxx | 857840 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857840 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857845 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 857851 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 857853 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 857854 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 857854 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857854 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Due to rounding |
| xxxxxx | 863781 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 863781 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 863781 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.82 | 0.86 | Verified | $2100.00/$2447.49=0.86 |
| xxxxxx | 863783 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 863783 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 863783 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Refinance transaction |
| xxxxxx | 863783 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.58 | 0.60 | Verified | Due to HOI premium amount DSCR is not matching |
| xxxxxx | 863792 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 863792 | xxxxxx |  |  | Contract Sales Price | 0.00 | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |

---

## Exhibit 99.3

**EXHIBIT 99.3**

**AMC EXCEPTION GRADES**

![](tm2615156d1_ex99-2img001.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 834391 | xxxxxx |  | 33888440 | xxxxxx | 07/16/2025 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Number of Units on the Appraisal does not match the number of Units on the BPO. | Valuation Type: BPO / Valuation Report date: xxxxxx | Appraisal reflects units as xxxxxx and BPO reflects xxxxxx. |  | Reviewer Comment (2025-07-21): Updated BPO provided<br>Buyer Comment (2025-07-21): Updated BPO to xxxxxx units | 07/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 834391 | xxxxxx |  | 33933827 | xxxxxx | 07/16/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Per the VOR, borrower rents primary at a xxxxxx. |  | Reviewer Comment (2025-07-28): Updated 1003 provided<br>Buyer Comment (2025-07-28): updated 1003 | 07/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A C |  | N/A | No | Property Focused |
| xxxxxx | 835831 | xxxxxx |  | 33406650 | xxxxxx | 05/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.71974% or Final Disclosure APR of 8.72500% is equal to or greater than the threshold of APOR 6.81% + 1.5%, or 8.31000%. Non-Compliant Higher Priced Mortgage Loan. | The acknowledgment of receipt of appraisal report is not acceptable as 3 business days did not transpire between appraisal completion date and closing. |  | Reviewer Comment (2025-05-26): Client elects to waive. SOL 1 year expires on xxxxxx<br>Buyer Comment (2025-05-23): Investor agrees to accept as xxxxxx with SOL 1 year which expires xxxxxx . Please complete.<br>Reviewer Comment (2025-05-16): There would be no way to cure or clear this condition. 3 business days prior to closing did not transpire between appraisal completion date of xxxxxx and closing date of xxxxxx On HPML loans, appraisals need to be delivered to the borrower within 3 business days prior to closing.<br>Seller Comment (2025-05-16): Could you kindly clarify what specific steps or type of document would satisfy the condition, so that we can provide exactly what's needed?<br> We appreciate your time and guidance—xxxxxx in advance!<br>Reviewer Comment (2025-05-15): The disclosure provided is checked did not receive within 3 business days prior to closing and the LOE is not acceptable. The completion date is when the appraiser completes the report for delivery, the effective date is when they are assigned to the report. The report was completed by the appraiser on xxxxxx The loan closed xxxxxx 3 business days prior to closing did not transpire between appraisal report completion date and loan closing.<br>Seller Comment (2025-05-15): The Appraisal Report's Effective Date is xxxxxx , and the report was signed/finalized on xxxxxx .<br> The borrower signed loan documents on xxxxxx .<br> We've uploaded a borrower-signed LOE acknowledging that the appraisal was received less than three business days prior to closing, and confirming awareness of that fact. xxxxxx! |  |  | 05/26/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835831 | xxxxxx |  | 33406471 | xxxxxx | 05/09/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide the most recent statement to verify taxes and insurance are escrowed. |  | Reviewer Comment (2025-05-14): Received, CD, Note, Taxes and Insurance document to verify PITIA. Exception cleared.<br>Seller Comment (2025-05-13): Please see the attached PITI documents for xxxxxx, CD page 1 confirms that taxes and insurance are escrowed. | 05/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835831 | xxxxxx |  | 33409794 | xxxxxx | 05/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Taxes reflect due and delinquent after xxxxxx and these were not paid on the Final CD. |  | Reviewer Comment (2025-05-13): Tax cert provided reflecting taxes paid.<br>Seller Comment (2025-05-13): Please see the attached property tax record, which shows the 2nd installment due on xxxxxx was paid on xxxxxx . Taxes are paid in full for the 2024–2025 year. | 05/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835831 | xxxxxx |  | 33406651 | xxxxxx | 05/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | The acknowledgment of receipt of appraisal report is not acceptable as 3 business days did not transpire between appraisal completion date and closing. |  | Reviewer Comment (2025-05-26): Client elects to waive. SOL 1 year expires on xxxxxx<br>Buyer Comment (2025-05-23): Investor agrees to accept as xxxxxx with SOL 1 year which expires xxxxxx . Please complete.<br>Reviewer Comment (2025-05-16): There would be no way to cure or clear this condition. 3 business days prior to closing did not transpire between appraisal completion date of xxxxxx and closing date of xxxxxx On HPML loans, appraisals need to be delivered to the borrower within 3 business days prior to closing.<br>Reviewer Comment (2025-05-15): The disclosure provided is checked did not receive within 3 business days prior to closing and the LOE is not acceptable. The completion date is when the appraiser completes the report for delivery, the effective date is when they are assigned to the report. The report was completed by the appraiser on xxxxxx The loan closed xxxxxx 3 business days prior to closing did not transpire between appraisal report completion date and loan closing. |  |  | 05/26/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 835831 | xxxxxx |  | 33409776 | xxxxxx | 05/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The mortgage lien for the property on xxxxxx is not on the borrower's credit. Provide the VOM and 6 month borrower pay history (overlay). |  | Reviewer Comment (2025-05-14): Received Property History Report reflecting the property was released on xxxxxx xxxxxx. Borrower recently had taken the mortgage. Exception cleared.<br>Seller Comment (2025-05-13): Please see the attached Property Profile, which confirms that the prior mortgage on xxxxxx was released on xxxxxx . The property is currently held free and clear, and no active mortgage account exists.<br>Additionally, we've included the Note for the current loan, which shows the first payment is due xxxxxx . Since the first payment date has not yet occurred and no prior lien is active, no VOM or payment history is available to provide at this time. | 05/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842434 | xxxxxx |  | 34044341 | xxxxxx | 07/31/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Subject was listed on xxxxxx and was not withdrawn from market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-12): The client elects to waive.<br>Buyer Comment (2025-08-08): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br>Reviewer Comment (2025-08-04): A termination of listing agreement is a termination between the RE broker and borrower. It is not evidence of listing withdrawal. Provide evidence the property was removed from the MLS at or prior to closing.<br>Buyer Comment (2025-08-01): Listing removal for lot xxxxxx<br>Buyer Comment (2025-08-01): Emailed xxxxxx for more information |  |  | 08/12/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842434 | xxxxxx |  | 34098877 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Daily rental rate was not provided on STR 1007. |  | Reviewer Comment (2025-08-02): 1007 provided with daily rental rate<br>Buyer Comment (2025-08-01): Please see AMC condition D54, the appraisal has a 1007 with a second page with daily rentals. | 08/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842434 | xxxxxx |  | 34099024 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Blanket lien on title. |  | Reviewer Comment (2025-08-26): Recorded satisfaction of full mortgage provided covering all partial lien releases on title.<br>Buyer Comment (2025-08-26): The blanket mortgage covers subject property and #xxxxxx. Which both have been reviewed by AMC. Both loans have been closed this is the satisfaction of mortgage on one of the properties. | 08/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848709 | xxxxxx |  | 34777491 | xxxxxx | 10/28/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-31): The TPOL was provided with the correct policy amount.<br>Buyer Comment (2025-10-29): xxxxxx See UPLd FTP | 10/31/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848709 | xxxxxx |  | 34777493 | xxxxxx | 10/28/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2025-11-10): Updated HOI provided<br>Buyer Comment (2025-11-07): Please see attached HOI. | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848709 | xxxxxx |  | 34777494 | xxxxxx | 10/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-10-31): The TPOL was provided. | 10/31/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 848710 | xxxxxx |  | 34755983 | xxxxxx | 10/20/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2025-11-04): Updated pre-close HOI provided with endorsement post-close which is allowed by the investor.<br>Buyer Comment (2025-11-03): xxxxxx HOI | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849095 | xxxxxx |  | 34776362 | xxxxxx | 10/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Appraisal reflects Tenant Occupied. Lease agreement was not provided and 1007 does not reflect the actual rents. Actual rents are needed to verify within 120% of estimated rents. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-12-24): Comp Factors used to waive exception<br>Buyer Comment (2025-12-16): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 6 months or more<br>Buyer Comment (2025-12-15): Ready for Review-Document Uploaded. Please see attached 1004D stating property is now vacant. - xxxxxx xxxxxx <br>Buyer Comment (2025-12-15): Please see attached 1004D to validate property is now Vacant.<br>Buyer Comment (2025-12-15): Please see attached 1004D stating property is now vacant. |  |  | 12/24/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849550 | xxxxxx |  | 34783153 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Housing history for the subject are not on credit and mortgage history for primary with xxxxxx reflects deferred. Mortgage history for subject added via credit supplement. Payoff provided for subject. 1) Provide the mortgage statement or Note for the subject and 12 month VOM with proof of borrower's 6 month payment history for subject property. 2) Provide the deferral agreement for the primary with xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's Experience/Track Record | Reviewer Comment (2025-12-17): Waived with compensating factors per investor direction that they are accepting post-consummation credit supplement, and missing evidence of 12 months' payments.<br>Buyer Comment (2025-12-16): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required<br>Reviewer Comment (2025-12-11): Credit supplement received; however, condition is stating we are still missing the deferral agreement from xxxxxx on primary residence and evidence of 3/2025, 4/2025 and 8/2025 payments on subject property. The amounts provided on the statements do not match the amount listed on the payoff document previously referenced.<br>Buyer Comment (2025-12-01): credit supplement - 12 month rating<br>Reviewer Comment (2025-11-26): Re-reviewed statements provided based on P&I reflected on payoff provided. Still missing the 8/2025, 4/2025 and 3/2025 payments to complete the required 6 month history. Also still require deferral agreement for the primary with xxxxxx.<br>Buyer Comment (2025-11-25): The payment amounts match the payment listed on the payoff. Can you please review based on that?<br>Reviewer Comment (2025-11-24): Bank statements received; however, none of the payment amounts or payees match the payment reflected on the credit supplement, or the servicer on the payoff statement. Further, the deferral agreement for the primary with xxxxxx was not provided.<br>Buyer Comment (2025-11-21): There were 7 documents uploaded directly to Clarity. Can you please double check? Trying to send them all again through xxxxxx as well.<br>Reviewer Comment (2025-11-21): Received only one month of payment history for subject property. 1) Provide the mortgage statement or Note for the subject and proof of borrower's 5 month payment history for subject property. 2) Provide the deferral agreement for the primary with xxxxxx. Exception remains.<br>Buyer Comment (2025-11-19): Uploaded directly to Clarity.<br>Buyer Comment (2025-11-19): Uploading directly to Clarity as there appears to be an issue sending through xxxxxx.<br>Reviewer Comment (2025-11-19): No new documents were uploaded into clarity. Please try to upload the documents as requested on the comments dated xxxxxx . Exception remains.<br>Buyer Comment (2025-11-18): Please see attached.<br>Reviewer Comment (2025-11-09): Received VOM for subject property. Pending receipt of 1) Provide the mortgage statement or Note for the subject and proof of borrower's 6 month payment history for subject property. 2) Provide the deferral agreement for the primary with xxxxxx. Exception remains.<br>Buyer Comment (2025-11-06): Please see attached.<br>Reviewer Comment (2025-11-03): Housing history for the subject are not on credit and mortgage history for primary with xxxxxx reflects deferred. Mortgage history for subject added via credit supplement. Payoff provided for subject. 1) Provide the mortgage statement or Note for the subject and 12 month VOM with proof of borrower's 6 month payment history for subject property. 2) Provide the deferral agreement for the primary with xxxxxx.<br>Buyer Comment (2025-10-29): Please see attached.<br>Reviewer Comment (2025-10-27): Received Credit Supplement reflecting housing history that was already provided at the time of review. However per guidelines, 12 month VOM with proof of borrower's 6 month payment history and mortgage statement or Note for the subject is required. Also, provide the 12 month VOM with proof of borrower's 6 month payment history for the primary. Exception remains.<br>Buyer Comment (2025-10-24): Please see attached. |  |  | 12/17/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34892458 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-11-11): Received HOA Questionnaire. Exception cleared.<br>Buyer Comment (2025-11-11): Please see attached Condo Questionnaire. | 11/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34892588 | xxxxxx | 11/07/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.99 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Investor Exception - Loans below $150,000 require DSCR of 1.25 or more. Exception to allow with DSCR below 1.25 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34892589 | xxxxxx | 11/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $100,000.00. | Investor Exception - Loan amount below the minimum required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34892599 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34915294 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: Square feet 376 < minimum required | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-05): Client elects to waive with verified compensation factors |  |  | 11/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34915506 | xxxxxx | 11/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the updated 1008/approval and 1003 reflecting xxxxxx Borrower is bringing cash to close and per guidelines, buyout of a co-owners pursuant to an agreement is R/T. |  | Reviewer Comment (2025-11-14): Received 1008 and corrected 1003. Exception cleared.<br>Buyer Comment (2025-11-13): Please 1003 & 1008 attached. | 11/14/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | 34915544 | xxxxxx | 11/07/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | The appraisal reflects Tenant Occupied. The lease agreement was not provided and the 1007 does not reflect actual rents. Per guidelines, actual rents must be reflected on the 1007 if lease was not provided in order to determine if actual rents are within 120% of estimated rents per guidelines. |  | Reviewer Comment (2025-12-29): Fully completed 1007 received.<br>Buyer Comment (2025-12-17): Ready for Review-Document Uploaded. Please see attached 1007 with actual rents. - xxxxxx xxxxxx <br>Buyer Comment (2025-12-17): Please see attached 1007 with actual rents.<br>Reviewer Comment (2025-11-14): The LOE is not acceptable and the lease agreement is not being requested but the updated 1007 with actual rents. As previously noted, if there is no lease agreement and there are tenants at will, then the 1007 still needs to be updated with the actual rents of the current tenants to determine if actual rents are within 120% of the estimated rents per guidelines referencing actual rents must be within 120% of estimated rents.<br>Buyer Comment (2025-11-13): Please see LOE attached.<br>Reviewer Comment (2025-11-11): If there is no lease agreement and there are tenants at will, then the 1007 still needs to be updated with the actual rents of the current tenants to determine if actual rents are within 120% of the estimated rents per guidelines.<br>Buyer Comment (2025-11-11): Please see attached; LOX from borrower confirming there is no current active lease agreement and the tenants who occupy the property are considered tenants at will. | 12/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | 34747289 | xxxxxx | 10/22/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Preliminary in file. |  |  | Reviewer Comment (2025-10-24): Cleared with final title<br>Buyer Comment (2025-10-23): Please see title | 10/24/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | 34777112 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The Prepayment Rider and Business Loan Rider to the DOT does not reflect the Trust name, only the Trustee. |  | Reviewer Comment (2025-11-10): Recorded xxxxxx affidavit received, indicating that the Trust name is incorporated and made part of the prepayment rider and business loan rider.<br>Reviewer Comment (2025-11-06): Received executed Prepayment Rider and Business Loan Rider however it does not reflect the Trust name. Exception remains.<br>Buyer Comment (2025-11-04): Please see attached<br>Reviewer Comment (2025-10-24): Updated documents provided. However they have not been executed by the guarantors/ trustees<br>Buyer Comment (2025-10-23): Please see business loan rider | 11/10/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | 34777102 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-10-24): Cleared with documentation<br>Buyer Comment (2025-10-23): Please see attached | 10/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | 34747288 | xxxxxx | 10/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-24): Cleared with final title | 10/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | 35731167 | xxxxxx | 11/07/2025 | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | Credit Report: Original // Borrower: xxxxxx |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-02-25): Received case search and case category was a criminal/traffic, exception cleared<br>Reviewer Comment (2026-02-25): Re-open<br>Reviewer Comment (2025-12-01): Waived with compensating factors per client direction.<br>Buyer Comment (2025-11-22): Requesting to waive, no specific charge was filed, reported finding is over 10 years ago, multiple guarantors on the file, 761 FICO, 12+ months in reserves, 1.64 DSCR, 52.08% LTV | 02/25/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | 35731166 | xxxxxx | 11/07/2025 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | Credit Report: Original // Borrower: xxxxxx | Background search shows a non specified offense. File is missing documentation verifying if borrower was convicted of fraud/misrepresentation or a felony. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-02-25): Received case search and case category was a criminal/traffic, exception cleared<br>Reviewer Comment (2026-02-25): Re-open<br>Reviewer Comment (2025-12-01): Waived with compensating factors per client direction.<br>Buyer Comment (2025-11-22): Correction-\*\* Requesting to waive, no specific charge was filed, reported finding is over 10 years ago, multiple guarantors on the file, 761 FICO, 12+ months in reserves, 1.64 DSCR, 52.08% LTV<br>Buyer Comment (2025-11-22): Requesting to waive, no specific charge was filed, reported finding is over 10 years ago, multiple guarantors on the file, 761 FICO, 12+ months in reserves, 1.57 DSCR | 02/25/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | 35731165 | xxxxxx | 11/07/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Subject address on Note xxxxxx, appraisal in file shows xxxxxx. |  | Reviewer Comment (2025-12-09): Provided.<br>Buyer Comment (2025-12-05): see attached | 12/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | 35731164 | xxxxxx | 11/07/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Subject address on Note xxxxxx, flood cert in file shows xxxxxx. |  | Reviewer Comment (2025-11-20): Corrected flood certificate provided, exception cleared.<br>Buyer Comment (2025-11-12): see updated | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | 35731163 | xxxxxx | 11/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  | Reviewer Comment (2025-11-20): Provided, exception cleared.<br>Buyer Comment (2025-11-12): see attached | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850816 | xxxxxx |  | 35065192 | xxxxxx | 11/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx |  |  | Reviewer Comment (2026-01-14): Exception cleared. ACH from provided in trailing documents.<br>Seller Comment (2026-01-13): Document was uploaded on 1/6 and update is still pending. Can you please check on the delay?<br>Seller Comment (2026-01-13): Document was uploaded on 1/6 and update is still pending. Can you please provide update?<br>Seller Comment (2026-01-13): Document was uploaded on xxxxxx and update is still pending. Can you please provide update?<br>Buyer Comment (2026-01-06): Ready for Review-Document Uploaded. Please see attached Borrower's ACH form - xxxxxx xxxxxx <br>Buyer Comment (2026-01-06): Please see attached Borrower's ACH form | 01/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850816 | xxxxxx |  | 35065025 | xxxxxx | 11/25/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The Citizenship section of the Final 1003 is not completed. None of the radio boxes are completed. |  | Reviewer Comment (2025-12-08): Updated 1003 page one provided, exception cleared.<br>Seller Comment (2025-11-25): Please find attached 1003 Updated | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850971 | xxxxxx |  | 34764575 | xxxxxx | 10/24/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage accounts not reporting on the credit report for Subject property. A) Provide Mortgage statement or Note .B)Proof of borrower's payment for the most recent 6-months | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor request,<br>Buyer Comment (2025-12-22): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 2 months or more / Compensating Factor 2 - Credit Score 20 points > minimum required<br>Reviewer Comment (2025-12-19): Private VOM requires canceled check or bank statements. If investor is accepting private pay history, a request to waive can be made.<br>Buyer Comment (2025-12-08): Payment history uploaded<br>Reviewer Comment (2025-12-08): The documentation provided was a spreadsheet invoice. This is a private mortgage and bank statements or cancelled checks are required for verification. Exception remains.<br>Buyer Comment (2025-11-25): Payments uploaded. Please note, this is a Private IRA lender<br>Reviewer Comment (2025-11-07): Received VOM and Note. Proof of borrower's payment for the most recent 6-months is required. Exception remains.<br>Buyer Comment (2025-11-05): Please see attached |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851407 | xxxxxx |  | 35731171 | xxxxxx | 11/07/2025 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | There is no lease in place for the subject property |  | Reviewer Comment (2025-11-20): Short term rental documents in file, exception cleared.<br>Buyer Comment (2025-11-12): There is no lease here, this is a short term rental | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851407 | xxxxxx |  | 35731172 | xxxxxx | 11/07/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-11): Client elects to downgrade and waive using compensating factors <br> Reserves of 53.17 months vs requirement of 9.00 <br> Representative FICO of 764 vs guidelines requirement of 700 <br> Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Buyer Comment (2025-12-10): Request to waive with available compensating factors<br>Reviewer Comment (2025-12-04): RCV does not indicate a value, so we need to know what RCV value is. Per guides we need "full replacement value:. Exception remains.<br>Buyer Comment (2025-12-03): On page 3 of the document there is a section ACV/RCV: RCV option is selected so this should be good to clear<br>Reviewer Comment (2025-11-20): The guidelines require coverage to be equal to the lesser of (1) the allocated loan amount, and (2) the full replacement value of the property. documentation is missing from the loan file to verify the replacement value.<br>Buyer Comment (2025-11-12): Dwelling coverage is xxxxxx , our loan is xxxxxx |  |  | 12/11/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851611 | xxxxxx |  | 34945487 | xxxxxx | 11/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  | Reviewer Comment (2025-11-12): Updated HOI provided. Client allows clause to be updated on pre-close policy, post-close.<br>Buyer Comment (2025-11-11): xxxxxx Lender response: See uploaded, updated HOI | 11/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851611 | xxxxxx |  | 34945488 | xxxxxx | 11/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City does not match |  | Reviewer Comment (2025-11-20): Received corrected HOI document. Exception cleared.<br>Buyer Comment (2025-11-19): xxxxxx See corrected, UPLd final HOI. All city names match. Manually uploading due to system issues<br>Buyer Comment (2025-11-19): xxxxxx See corrected, UPLd final HOI. All city names match.<br>Reviewer Comment (2025-11-12): Address affidavit is not acceptable. All addresses must match.<br>Buyer Comment (2025-11-11): xxxxxx Lender response: See UPLd address affidavit to clear. Zip code is used for both towns interchangibly. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851696 | xxxxxx |  | 35731176 | xxxxxx | 12/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, all individuals related to the accounts used for funds to close and/or reserves must be clear from the OFAC sanctioned list. Funds for xxxxxx and the borrowing entity were used for closing and missing for OFAC for the other member related to both businesses. |  | Reviewer Comment (2025-12-11): OFAC for business entity still missing, however other assets provided are sufficient. Cleared.<br>Buyer Comment (2025-12-09): see OFAC | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | 35314583 | xxxxxx | 12/29/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate address does not match updated Note/Security Instrument address provided in trailing documents. |  | Reviewer Comment (2026-01-12): Flood certificate provided with address matching Note, exception cleared.<br>Buyer Comment (2026-01-05): Ready for Review-Document Uploaded. Updated Flood Cert with address matching Note address - xxxxxx xxxxxx <br>Buyer Comment (2026-01-05): Updated Flood Cert with address matching Note address | 01/12/2026 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | 34895489 | xxxxxx | 11/05/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Note reflect xxxxxx vs. Appraisal and CDA which reflects xxxxxx | Borrower's Experience/Track Record | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-11-06): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 10 points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 6 months or more |  |  | 11/06/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | 34895485 | xxxxxx | 11/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Note reflect xxxxxx vs. Title which reflects xxxxxx |  | Reviewer Comment (2025-12-29): Corrected Note, LOE to borrower, re-recorded security instrument received in trailing docs.<br>Buyer Comment (2025-12-16): Ready for Review-Document Uploaded. Letter of Explanation for corrections from title co & the DOT with Notes of correction for address on top of pg. 1 - xxxxxx xxxxxx <br>Buyer Comment (2025-12-16): Letter of Explanation for corrections from title co & the DOT with Notes of correction for address on top of pg. 1<br>Reviewer Comment (2025-12-08): When updating the Note, the following is required: Letter of explanation and proof of delivery to the borrower prior to the Note being re-signed; corrected Note (provided) and Destroyed Note affidavit for incorrect Note. Additionally, for a corrected Security Instrument: A xxxxxx affidavit, correcting the address, along with notice of intent to record the affidavit, can be accepted. Exception remains.<br>Buyer Comment (2025-12-05): Corrected Note<br>Reviewer Comment (2025-12-05): All documents need to reflect the address as xxxxxx. The Note needs to be corrected to match the title address. Exception remains.<br>Buyer Comment (2025-11-26): Address was incorrect. Correct address is xxxxxx, see re-recorded DOT & Riders with corrected address. | 12/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | 34865343 | xxxxxx | 11/05/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-11-11): Final stamped settlement statement provided<br>Buyer Comment (2025-11-11): Uploaded Final<br>Reviewer Comment (2025-11-07): The document provide is an estimated settlement statement. The final stamped settlement statement is required.<br>Buyer Comment (2025-11-06): Final HUD-1 | 11/11/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | 34865342 | xxxxxx | 11/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for subject not reporting on credit report. 12 month VOM and payoff provided. Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-11-09): Received Proof of borrower's payment for the most recent 6-months. Exception cleared.<br>Buyer Comment (2025-11-06): Recent 6 mos Mtg history | 11/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | 34865378 | xxxxxx | 11/05/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note reflect xxxxxx vs. HOI which reflects xxxxxx |  | Reviewer Comment (2025-12-29): Corrected Note, LOE to borrower, re-recorded security instrument received in trailing docs.<br>Buyer Comment (2025-12-16): Ready for Review-Document Uploaded. Letter of Explanation for corrections from title co & the DOT with Notes of correction for address on top of pg. 1 - xxxxxx xxxxxx <br>Buyer Comment (2025-12-16): Letter of Explanation for corrections from title co & the DOT with Notes of correction for address on top of pg. 1<br>Reviewer Comment (2025-12-08): When updating the Note, the following is required: Letter of explanation and proof of delivery to the borrower prior to the Note being re-signed; corrected Note (provided) and Destroyed Note affidavit for incorrect Note. Additionally, for a corrected Security Instrument: A xxxxxx affidavit, correcting the address, along with notice of intent to record the affidavit, can be accepted. Exception remains.<br>Buyer Comment (2025-12-05): Corrected Note<br>Reviewer Comment (2025-12-05): All documents need to reflect the address as xxxxxx. The Note needs to be corrected to match the HOI address. Exception remains.<br>Buyer Comment (2025-11-26): Address was incorrect. Correct address is xxxxxx, see re-recorded DOT & Riders with corrected address. | 12/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852394 | xxxxxx |  | 35106304 | xxxxxx | 11/26/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert is missing the unit numbers | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Buyer Comment (2025-12-23): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br>Reviewer Comment (2025-12-19): If investor is accepting the address discrepancy, a request to waive can be made.<br>Buyer Comment (2025-12-08): We reviewed the noted address discrepancy with our Underwriter and confirmed that Unit xxxxxx is the sole residential dwelling, while xxxxxx is a xxxxxx that conveys xxxxxx. The appraisal?s legal description specifically states: ?xxxxxx.? Because xxxxxx is not a residential unit, it is not reflected on the Flood Certificate, HO6/Master Insurance, Appraisal report address line, xxxxxx, or CDA. Only the Note lists both xxxxxx and xxxxxx because it includes the full collateral description. Please review and advise if any further clarification is needed. xxxxxx!<br>Seller Comment (2025-11-30): We reviewed the noted address discrepancy with our Underwriter and confirmed that Unit xxxxxx is the sole residential dwelling, while xxxxxx is a xxxxxx.<br>The appraisal's legal description specifically states:<br> "xxxxxx."<br>Because xxxxxx is not a residential unit, it is not reflected on the Flood Certificate, HO6/Master Insurance, Appraisal report address line, xxxxxx, or CDA. Only the Note lists both xxxxxx and xxxxxx because it includes the full collateral description.<br>Please review and advise if any further clarification is needed. xxxxxx! |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852394 | xxxxxx |  | 35106718 | xxxxxx | 11/26/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Evidence of insurance (both blanket policy and Borrowers HO6) are missing unit # xxxxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Buyer Comment (2025-12-23): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br>Reviewer Comment (2025-12-19): If investor is accepting the address discrepancy, a request to waive can be made.<br>Buyer Comment (2025-12-08): We reviewed the noted address discrepancy with our Underwriter and confirmed that Unit xxxxxx is the sole residential dwelling, while xxxxxx is a xxxxxx that conveys as xxxxxx. The appraisal?s legal description specifically states: ?xxxxxx.? Because xxxxxx is not a residential unit, it is not reflected on the Flood Certificate, HO6/Master Insurance, Appraisal report address line, xxxxxx, or CDA. Only the Note lists both xxxxxx and xxxxxx because it includes the full collateral description. Please review and advise if any further clarification is needed. xxxxxx!<br>Seller Comment (2025-11-30): We reviewed the noted address discrepancy with our Underwriter and confirmed that Unit xxxxxx is the sole residential dwelling, while xxxxxx is a xxxxxx.<br>The appraisal's legal description specifically states:<br> "xxxxxx."<br>Because xxxxxx is not a residential unit, it is not reflected on the Flood Certificate, HO6/Master Insurance, Appraisal report address line, xxxxxx, or CDA. Only the Note lists both xxxxxx and xxxxxx because it includes the full collateral description.<br>Please review and advise if any further clarification is needed. xxxxxx! |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852394 | xxxxxx |  | 35106726 | xxxxxx | 11/26/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal, xxxxxx and CDA are missing unit # xxxxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Buyer Comment (2025-12-23): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more<br>Reviewer Comment (2025-12-19): If investor is accepting the address discrepancy, a request to waive can be made.<br>Buyer Comment (2025-12-08): We reviewed the noted address discrepancy with our Underwriter and confirmed that Unit xxxxxx is the sole residential dwelling, while xxxxxx is a xxxxxx that conveys as xxxxxx. The appraisal?s legal description specifically states: ?xxxxxx.? Because xxxxxx is not a residential unit, it is not reflected on the Flood Certificate, HO6/Master Insurance, Appraisal report address line, xxxxxx, or CDA. Only the Note lists both xxxxxx and xxxxxx because it includes the full collateral description. Please review and advise if any further clarification is needed. xxxxxx!<br>Seller Comment (2025-11-30): We reviewed the noted address discrepancy with our Underwriter and confirmed that Unit xxxxxx is the sole residential dwelling, while xxxxxx is a xxxxxx.<br>The appraisal's legal description specifically states:<br> "xxxxxx."<br>Because xxxxxx is not a residential unit, it is not reflected on the Flood Certificate, HO6/Master Insurance, Appraisal report address line, xxxxxx, or CDA. Only the Note lists both xxxxxx and xxxxxx because it includes the full collateral description.<br>Please review and advise if any further clarification is needed. xxxxxx! |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852708 | xxxxxx |  | 35250445 | xxxxxx | 11/07/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-12): Provided and cleared<br>Buyer Comment (2025-12-11): Supplemental report reflecting Insured Lender and Loan Amount | 12/12/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854379 | xxxxxx |  | 35288379 | xxxxxx | 09/30/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for trust. |  | Reviewer Comment (2025-10-03): Post closing Alert Summary report used to clear OFAC only.<br>Buyer Comment (2025-10-01): fraud summary | 10/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854684 | xxxxxx |  | 35250464 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Closing statement provided is marked Estimated. |  | Reviewer Comment (2025-12-11): Provided and cleared<br>Buyer Comment (2025-12-10): Final HUD | 12/11/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854710 | xxxxxx |  | 35250460 | xxxxxx | 12/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in Loan File. Estimated closing statement in file. |  | Reviewer Comment (2025-12-12): Provided and cleared<br>Buyer Comment (2025-12-11): Final HUD | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 854712 | xxxxxx |  | 35250477 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Closing statement provided is marked Estimated. |  | Reviewer Comment (2025-12-11): Provided and cleared<br>Buyer Comment (2025-12-10): Final HUD | 12/11/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 855203 | xxxxxx |  | 35250585 | xxxxxx | 12/08/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Closing statement is marked Estimated. |  | Reviewer Comment (2025-12-15): Cleared with final closing Statement<br>Buyer Comment (2025-12-14): Final Settlement Statement | 12/15/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856424 | xxxxxx |  | 36042364 | xxxxxx | 01/30/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.79 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Used lower market rent. Unable to confirm 2 months rent receipt. |  | Reviewer Comment (2026-02-04): Since lease agreement beginning date is xxxxxx . We have not received rent receipt for second month. Considered lease rent and DSCR requirement met. Exception Cleared.<br>Buyer Comment (2026-02-02): D0173 reporting $2250 rent, D0340 $2500 check and D0327 first month rent and security deposit. $2500 cashier check and xxxxxx $1000, $995 and $5=$4500 | 02/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856430 | xxxxxx |  | 36042357 | xxxxxx | 12/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of borrower current resident. |  | Reviewer Comment (2026-01-21): Satisfaction of the loan provided. The fraud Report shows no loans for the Guarantor.<br>Buyer Comment (2026-01-20): xxxxxx - Please see attached<br>Reviewer Comment (2026-01-13): Provided document is satisfaction of mortgage. Housing history is required to be verified on subject property. Require VOM/VOR document. Exception remains<br>Buyer Comment (2026-01-09): xxxxxx - Document provided reflects "Satisfaction of Mortgage'<br>Reviewer Comment (2026-01-09): Provided document is not stating borrower current property history. Require VOM/VOR for borrower current property. Exception Remains.<br>Buyer Comment (2026-01-07): 0107-Please see attached<br>Reviewer Comment (2026-01-07): Require VOM/VOR for borrower current property. Exception Remains.<br>Buyer Comment (2026-01-03): Please advise if you are requesting a VOM/VOR? or identification as condition unclear | 01/21/2026 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856444 | xxxxxx |  | 36042335 | xxxxxx | 01/05/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Borrower has insufficient reserves. Per the CPA letter, borrower owns 33.34% of the business. The file is missing a letter of explanation from other business owners authorizing full access to business funds. | Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-03-02): Lender approved exception post close with compensating factors.<br>Buyer Comment (2026-02-26): xxxxxx<br>Buyer Comment (2026-02-26): exception<br>Reviewer Comment (2026-01-21): Unable to verify total ownership of the business and business assets. The Operating Agreement is needed to verify ownership.<br>Buyer Comment (2026-01-21): operating agreement<br>Buyer Comment (2026-01-21): translated access<br>Buyer Comment (2026-01-21): access letter |  |  | 03/02/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856444 | xxxxxx |  | 36042336 | xxxxxx | 01/05/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $27,343.81 is less than Cash From Borrower $49,097.48. | Borrower has insufficient cash to close. Per the CPA letter, borrower owns 33.34% of the business. The file is missing a letter from other business owners authorizing full access to business funds. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-03-02): Lender approved exception post close with compensating factors<br>Buyer Comment (2026-02-26): see attached exception<br>Reviewer Comment (2026-01-21): Unable to verify total ownership of the business and business assets. The Operating Agreement is needed to verify ownership.<br>Buyer Comment (2026-01-21): see attached docs |  |  | 03/02/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856448 | xxxxxx |  | 36042332 | xxxxxx | 12/31/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  |  | Reviewer Comment (2026-02-02): Cure documentation received.<br>Reviewer Comment (2026-01-30): Corrected RTC received; however, it does not expire until xxxxxx . Please re-queue condition for review once RTC expiration date has passed.<br>Buyer Comment (2026-01-28): Please see attached RTC.<br>Reviewer Comment (2026-01-13): The transaction date for a rescindable transaction is considered the last signature date on either the Security Instrument or final Closing Disclosure. As the final Closing Disclosure was signed on xxxxxx , that is considered the subject loan transaction date. Rescission will need to be reopened.<br>Buyer Comment (2026-01-12): All the closing docs are signs on xxxxxx as it already mentioned in closing docs, just the final CD is signed on next day as it is also e-signed, so we have to consider xxxxxx as closing date not the xxxxxx, kindly clear the exception<br>Reviewer Comment (2026-01-06): Final CD was not signed by borrowers until xxxxxx , which would be considered the transaction date. The dates on the RTC are incorrect, as they indicate xxxxxx as the transaction date, and a cancellation date of xxxxxx . The correct transaction date is xxxxxx and the correct last day to cancel is xxxxxx . The subject loan disbursed on xxxxxx , which is prior to three business days from the transaction date of xxxxxx .<br>Buyer Comment (2026-01-06): Please see doc D0329 for your reference, where the cancellation date is xxxxxx which is prior the funding date xxxxxx . |  | 02/02/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 856448 | xxxxxx |  | 36042333 | xxxxxx | 12/31/2025 | 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). |  |  | Reviewer Comment (2026-02-02): Cure documentation received.<br>Reviewer Comment (2026-01-30): Corrected RTC received; however, it does not expire until xxxxxx . Please re-queue condition for review once RTC expiration date has passed.<br>Buyer Comment (2026-01-30): Please see attached RTC<br>Reviewer Comment (2026-01-13): The transaction date for a rescindable transaction is considered the last signature date on either the Security Instrument or final Closing Disclosure. As the final Closing Disclosure was signed on xxxxxx , that is considered the subject loan transaction date. Rescission will need to be reopened.<br>Buyer Comment (2026-01-13): All the closing docs are signs on xxxxxx as it already mentioned in closing docs, just the final CD is signed on next day as it is also e-signed, so we have to consider xxxxxx as closing date not the xxxxxx, kindly clear the exception<br>Reviewer Comment (2026-01-06): Final CD was not signed by borrowers until xxxxxx , which would be considered the transaction date. The dates on the RTC are incorrect, as they indicate xxxxxx as the transaction date, and a cancellation date of xxxxxx . The correct transaction date is xxxxxx and the correct last day to cancel is xxxxxx . The subject loan disbursed on xxxxxx , which is prior to three business days from the transaction date of xxxxxx .<br>Buyer Comment (2026-01-04): Please see doc D0329 for your reference, where the cancellation date is xxxxxx which is prior the funding date xxxxxx . |  | 02/02/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 856450 | xxxxxx |  | 36042347 | xxxxxx | 01/14/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | Reviewer Comment (2026-01-15): SitusAMC received disclosure summary suffice<br>Buyer Comment (2026-01-15): Please find attached the Audit History. | 01/15/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856450 | xxxxxx |  | 36042349 | xxxxxx | 01/14/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-01-29): Received Econsent.<br>Buyer Comment (2026-01-27): Please see attached e-consent audit | 01/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042344 | xxxxxx | 02/04/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | Lender requested to waive with Situs compensating factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-02-04): Lender requested to waive with Situs compensating factors. |  |  | 02/04/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042343 | xxxxxx | 01/09/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx The Work Number - Employment Only | The file is missing the verification of employment from xxxxxx within 10 calendar days for co-borrower. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-02-04): Lender requested to waive with Situs compensating factors.<br>Buyer Comment (2026-02-02): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-01-29): Received post dated VOE, Exception remains.<br>Buyer Comment (2026-01-27): see attached VVOE |  |  | 02/04/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042342 | xxxxxx | 01/09/2026 | 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 $50.20 exceeds tolerance of $40.00 plus 10% or $44.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Recording Fee increased to $52.20 without a valid change of circumstance. A cure was provided to the borrower at closing. |  | Reviewer Comment (2026-01-05): Sufficient Cure Provided At Closing |  | 01/05/2026 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042340 | xxxxxx | 01/09/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the verification of employment within 10 calendar days for co-borrower. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-02-04): Lender requested to waive with Situs compensating factors.<br>Buyer Comment (2026-02-02): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-01-29): Received post dated VOE, Exception remains.<br>Buyer Comment (2026-01-27): xxxxxx VVOE |  |  | 02/04/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042339 | xxxxxx | 01/09/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly licensed or certified. |  | Reviewer Comment (2026-01-14): IRS directory search provided confirming CPA is certified.<br>Buyer Comment (2026-01-12): cpa license | 01/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042338 | xxxxxx | 01/09/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Previous residence was sold in xxxxxx. Unable to verify housing history from May-December, 2025. Please provide a rental history, or a letter of explanation if living rent free. Underwriter discretion may be required. |  | Reviewer Comment (2026-01-14): May- December 2025 rental history provided along with lease agreement.<br>Buyer Comment (2026-01-12): D0263-D0272 bank statements reporting rent payments<br>Buyer Comment (2026-01-12): VOR ledger<br>Buyer Comment (2026-01-12): VOR email<br>Buyer Comment (2026-01-12): lease | 01/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | 36042341 | xxxxxx | 01/09/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | The file is missing the verification of employment within 10 calendar days for co-borrower. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-02-04): Lender requested to waive with Situs compensating factors.<br>Buyer Comment (2026-02-02): Lender accepts. Please waive with available compensating factors. |  |  | 02/04/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856469 | xxxxxx |  | 35288451 | xxxxxx | 11/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | For the xxxxxx xxxxxx paid at closing, provide a 12 month pay history verifying the payments through October 2025. |  | Reviewer Comment (2025-11-25): Pay history Doc ID D0307 is not legible. Please provide legible pay history document. Exception remains.<br>Buyer Comment (2025-11-24): D0307 is the pay history for the xxxxxx which reflects 12 months of payments. | 11/25/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856470 | xxxxxx |  | 35288462 | xxxxxx | 11/28/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Missing Closing Protection Letter |  | Reviewer Comment (2025-12-03): Closing Protection Letter received and verified the details. Exception Cleared.<br>Buyer Comment (2025-12-01): CPL is attached | 12/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856475 | xxxxxx |  | 35288476 | xxxxxx | 12/05/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different |  | Reviewer Comment (2025-12-10): NOO Cert.<br>Buyer Comment (2025-12-07): xxxxxx - Please see attached | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856494 | xxxxxx |  | 35288449 | xxxxxx | 11/21/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Document not provided from seller conforming the condo is warrantable |  | Reviewer Comment (2025-11-25): Provided HOA questionnaire. Exception cleared.<br>Buyer Comment (2025-11-24): Please find condo approval attached. xxxxxx. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856497 | xxxxxx |  | 35288444 | xxxxxx | 11/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for investor concentration up to 60% and no single entity may own greater than 30% of total units. The exception is approved with compensating factor are 40 points over the minimum score in the tier, DSCR ratio> 1.15% and LTV-10% < Matrix Tier and budget has 10% in reserves, but also 27% in reserves if the unallocated maintenance and repairs are added/padded towards the reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-14): Waived with compensating factors per lender exception approval at origination. |  |  | 11/14/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856498 | xxxxxx |  | 35288441 | xxxxxx | 11/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for investor concentration up to 60% and no single entity may own greater than 30% of total units. The exception is approved with compensating factor are 40 points over the minimum score in the tier, DSCR Ratio>1.15% and LTV -10% < Matrix Tier and budget has 10% in reserves, but also 27% in reserves if the unallocated maintenance and repairs are added/padded towards the reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-13): Waived with compensating factors per lender exception approval at origination. |  |  | 11/13/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856503 | xxxxxx |  | 36042351 | xxxxxx | 12/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with spouse, but the file is missing evidence of spouse's mortgage or current lease, or a letter disclosing that the property is owned free and clear.. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2026-01-21): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-01-21): exception |  |  | 01/21/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 856503 | xxxxxx |  | 36042352 | xxxxxx | 12/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final closing disclosure or HUD, only estimate statement was provided. |  | Reviewer Comment (2025-12-29): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2025-12-24): final SS | 12/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857602 | xxxxxx |  | 35444640 | xxxxxx | 01/02/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer identification number not provided. |  | Reviewer Comment (2026-01-05): NA for trust<br>Buyer Comment (2026-01-02): This is a revocable trust, which does not require an EIN number. | 01/05/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857603 | xxxxxx |  | 35444645 | xxxxxx | 01/02/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | EIN is not provided. |  | Reviewer Comment (2026-01-05): NA for Trust<br>Buyer Comment (2026-01-02): Revocable Trust does not have an EIN | 01/05/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857610 | xxxxxx |  | 35484210 | xxxxxx | 01/06/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-08): Provided<br>Buyer Comment (2026-01-07): Attached is the title supplement show the coverage amount | 01/08/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857826 | xxxxxx |  | 36042359 | xxxxxx | 01/08/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Verify the municipal lien on title has been paid and will be removed form final title. |  | Reviewer Comment (2026-01-27): Final Title Policy received. Municipal Lien does not appear on title, exception cleared.<br>Buyer Comment (2026-01-27): See final title attached. xxxxxx.<br>Buyer Comment (2026-01-25): xxxxxx - Please see attached | 01/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857826 | xxxxxx |  | 36042360 | xxxxxx | 01/08/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | All tax liens and judgments are required to be paid prior to or at closing. |  | Reviewer Comment (2026-01-16): Provided payment receipt of the pending tax lien. Exception cleared.<br>Buyer Comment (2026-01-14): xxxxxx - Please see attached | 01/16/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863781 | xxxxxx |  | 36261281 | xxxxxx | 01/07/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a 12 month pay history for borrowers primary residence at xxxxxx. |  | Reviewer Comment (2026-02-16): Received Mortgage statement. Exception Cleared.<br>Buyer Comment (2026-02-12): Mortgage statements showing November payments attached.<br>Reviewer Comment (2026-02-12): Credit Report is dated xxxxxx . Missing verification of xxxxxx mortgage payment. Exception remains.<br>Buyer Comment (2026-02-10): See Doc ID There are two mortgages on the xxxxxx. Both appear on co-borrower's credit report with over a 2-year history. See Doc ID D0160 accounts ending in xxxxxx and xxxxxx. | 02/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863781 | xxxxxx |  | 36261282 | xxxxxx | 01/07/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Provide spousal consent for each of the borrowers. |  | Reviewer Comment (2026-03-04): Spousal consent provided for each borrower.<br>Reviewer Comment (2026-03-04): Provide spousal consent for borrower 2.<br>Buyer Comment (2026-03-04): Additional Spousal Consent attached.<br>Buyer Comment (2026-03-04): Spousal consent attached. | 03/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863781 | xxxxxx |  | 36261283 | xxxxxx | 01/07/2026 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 664 is less than Guideline representative FICO score of 700. |  |  | Reviewer Comment (2026-01-13): Considered highest mid score of 726. Exception cleared.<br>Buyer Comment (2026-01-09): Per guidelines for DSCR loans, the highest mid-FICO of 726 was used to qualify. | 01/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | 36261285 | xxxxxx | 01/21/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | The file is missing evidence of the initial purchase transaction for the subject property. Additional conditions may apply. |  | Reviewer Comment (2026-01-27): Received initial closing statement of the purchase transaction. Exception Cleared.<br>Buyer Comment (2026-01-23): Please see HUD-1 from purchase of subject. xxxxxx. | 01/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | 36261286 | xxxxxx | 01/21/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | Tax liens and judgments are required to be paid at or prior to closing. |  | Reviewer Comment (2026-03-27): Evidence tax lien released received in trailing docs.<br>Reviewer Comment (2026-02-09): Waived per lender exception received in trailing documents, indicating they are accepting the liens on fraud report as one in the same.<br>Buyer Comment (2026-02-05): Please find exception attached. xxxxxx.<br>Reviewer Comment (2026-02-03): Cleared in error. There are 2 tax liens with different filing numbers and only 1 was verified as paid. Need evidence both were paid.<br>Reviewer Comment (2026-01-26): Received Satisfaction of Liens or Judgment document, reflecting Tax lien is released on date xxxxxx . Exception Cleared.<br>Buyer Comment (2026-01-22): Please see confirmation lien paid off. xxxxxx. | 03/27/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | 36261287 | xxxxxx | 01/21/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | Provide verification of sufficient funds used for the original purchase. |  | Reviewer Comment (2026-02-04): Received settlement agent email reflecting funds allocated to subject initial purchase from two wires, and bank statements reflecting sufficient funds/wires sent to settlement agent for initial purchase.<br>Reviewer Comment (2026-01-27): Per lender correspondence, the borrower's cash contribution of $995,594.76 is stated to be derived from a wire transfer of $1,511,990.44. However, the source of funds for the $1,511,990.44 wire could not be determined. Exception remains.<br>Buyer Comment (2026-01-23): Please see the attached confirming proof of funds to purchase the subject. xxxxxx.<br>Buyer Comment (2026-01-23): Please see attached. | 02/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | 36261288 | xxxxxx | 01/21/2026 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Delayed Financing: Documentation in file indicates an encumbrance on the property, which does not meet guideline requirements. |  | Missing the HUD from original purchase transaction. |  | Reviewer Comment (2026-01-27): Received initial closing statement. Exception Cleared.<br>Buyer Comment (2026-01-23): Please see attached. xxxxxx.<br>Buyer Comment (2026-01-23): Warranty Deed. | 01/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | 36261289 | xxxxxx | 01/21/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide current Certificate of Good Standing for the sub entity. |  | Reviewer Comment (2026-01-26): Evidence of good standing not required for LLCs formed within the last 12 months. Exception Cleared.<br>Buyer Comment (2026-01-22): Please note business incorporated less than 12mths ago & per xxxxxx guidelines a "Cert of good standing" is not required when less than 12mth in existence. xxxxxx. | 01/26/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 863790 | xxxxxx |  | 36261273 | xxxxxx | 03/23/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,421.00 exceeds tolerance of $946.00 plus 10% or $1,040.60. $380.40 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | 10% tolerance was exceeded by $309.01. No valid Change of Circumstance provided, nor evidence of cure in file. |  | Reviewer Comment (2026-03-26): SitusAMC received rebuttal suffice.<br>Buyer Comment (2026-03-24): Please cancel this exception. D0377 is an LOE, Borrower shopped, a different office of xxxxxx was used than disclosed on the SSPL. No tolerance cure required. | 03/26/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 863793 | xxxxxx |  | 36261260 | xxxxxx | 03/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-18): CDFI lender testing ATR<br>Buyer Comment (2026-03-13): Please waive. |  |  | 03/18/2026 | 2 A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 863793 | xxxxxx |  | 36261266 | xxxxxx | 03/12/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,508.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,508.00. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2026-03-30): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-30): Cure documents uploaded<br>Reviewer Comment (2026-03-18): SitusAMC acknowledged that the lender credit decreased on the xxxxxx CD. However, there is no valid Change of Circumstance (COC) in the loan file to support the removal of this credit. Additionally, the valid COC dated xxxxxx in the loan file indicates that the loan was locked, but there is no LE or CD issued within that timeframe. Please provide any missing xxxxxx to associate with the xxxxxx changed circumstance or provide a COC supporting the xxxxxx CD. Otherwise, a cure will be required.<br>Buyer Comment (2026-03-17): Please review D0511 Lender credit is decrees on this CD<br>Reviewer Comment (2026-03-16): SitusAMC received e-consent. The lender credit decreased on CD dated xxxxxx for xxxxxx on CD dated xxxxxx .Kindly provide a valid COC for the fee decreased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2026-03-13): Please re-review D0777 COC is already provided |  | 03/30/2026 |  | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 863793 | xxxxxx |  | 36261265 | xxxxxx | 03/12/2026 | 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 $155.00 exceeds tolerance of $150.00. $5.00 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee. Fee Amount of $155.00 exceeds tolerance of $150.00. $5.00 with no valid change of circumstances and no cure was provided to borrower. |  | Reviewer Comment (2026-03-30): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 03/30/2026 |  | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 863793 | xxxxxx |  | 36261264 | xxxxxx | 03/12/2026 | 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 $92.00 exceeds tolerance of $0.00. $92.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points. Fee Amount of $92.00 exceeds tolerance of $0.00. $92.00 with no valid change of circumstances and no cure was provided to borrower. |  | Reviewer Comment (2026-03-30): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-30): Cure documents uploaded<br>Buyer Comment (2026-03-30): PFA<br>Reviewer Comment (2026-03-16): SitusAMC received e-consent. However, the Rate lock in the file is xxxxxx and the fee increased on CD dated xxxxxx for $92. Kindly provide corresponding xxxxxx for the rate lock and also the file contains COC dated xxxxxx .<br>Buyer Comment (2026-03-16): D0777 COC is provided to you |  | 03/30/2026 |  | 2 C B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 863793 | xxxxxx |  | 36261262 | xxxxxx | 03/12/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2026-03-16): SitusAMC received earliest e-consent.<br>Buyer Comment (2026-03-13): Please re-review D0777 COC is already provided<br>Buyer Comment (2026-03-13): PFA Audit trail. | 03/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 863795 | xxxxxx |  | 36261258 | xxxxxx | 02/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. |  | Reviewer Comment (2026-02-12): SItusAMC received earliest receipt of LE.<br>Buyer Comment (2026-02-12): Please attached doc. | 02/12/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |

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## Exhibit 99.4

**EXHIBIT 99.4**

**AMC RATING AGENCY GRADES**

![](tm2615156d1_ex99-2img001.jpg)

**Rating Agency Grades**

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Scope** |
| xxxxxx | 834391 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 835831 | xxxxxx |  | xxxxxx | xxxxxx C | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 842434 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 847125 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 848709 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 848710 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 849095 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 849550 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 850816 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 850971 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 851407 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 851611 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 851696 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 852394 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 852708 | xxxxxx |  | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 853639 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 854377 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 854379 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 854684 | xxxxxx |  | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 854710 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 854712 | xxxxxx |  | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 855203 | xxxxxx |  | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 855691 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 855724 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856423 | xxxxxx |  | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856424 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856430 | xxxxxx |  | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856434 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856440 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856441 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856444 | xxxxxx |  | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 856448 | xxxxxx |  | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 856450 | xxxxxx |  | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 856454 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856459 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856462 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856468 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856469 | xxxxxx |  | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856470 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856475 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856485 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856488 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856491 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856494 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856496 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856497 | xxxxxx |  | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 856498 | xxxxxx |  | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 856503 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 856506 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857125 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857128 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857602 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857603 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857604 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857608 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857609 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857610 | xxxxxx |  | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857624 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857626 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857630 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857825 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857826 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857827 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857836 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857840 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857845 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857851 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857852 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857853 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857854 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 863781 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 863790 | xxxxxx |  | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 863792 | xxxxxx |  | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 863793 | xxxxxx |  | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 863795 | xxxxxx |  | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR DILIGENCE REPORT**

![](tm2615156d1_ex99-2img001.jpg)

**ATR/QM Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Loan Designation** | **Originator Restated QM Loan Designation** | **Due Diligence QM Loan Designation** | **Application Date** |
| xxxxxx | 834391 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 835831 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842434 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847125 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848709 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848710 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849095 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849550 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850225 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850261 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850519 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850816 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850971 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851407 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851611 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851696 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851906 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852394 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852708 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 853639 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854377 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854379 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854684 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854710 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854712 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855203 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855691 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 855724 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856423 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856430 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856434 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856440 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856441 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856444 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 856448 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856450 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856451 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856454 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856459 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856462 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856468 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856469 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856470 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856475 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856485 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856488 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856491 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856494 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856496 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856497 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856498 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856503 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856506 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857125 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857128 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857602 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857603 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857604 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857608 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857609 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857610 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857624 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857626 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857630 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857825 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857826 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857827 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857836 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857840 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857845 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857851 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857852 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857853 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857854 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 863781 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 863783 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 863790 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 863792 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 863793 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 863795 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC VALUATION REPORT**

![](tm2615156d1_ex99-2img001.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Scope** |
| xxxxxx | 834391 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.450% | 07/18/2025 | 06/24/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.450% | xxxxxx | 07/18/2025 | 06/24/2025 |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 835831 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 842434 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847125 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848709 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 09/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 | Property Focused |
| xxxxxx | 848710 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.680% | 09/30/2025 | 09/30/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 849095 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 08/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 | Property Focused |
| xxxxxx | 849550 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/11/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850816 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 | Property Focused |
| xxxxxx | 850971 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851407 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 10/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851611 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 851696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 10/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 10/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 852394 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 | Property Focused |
| xxxxxx | 852708 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 08/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853639 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854377 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854379 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854684 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/31/2025 | 10/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 854710 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 854712 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/18/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 855203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/05/2025 | 10/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 855691 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 10/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 855724 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/03/2025 | 10/31/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856423 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856424 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/30/2025 | 11/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 856430 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 856434 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/09/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856440 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/14/2026 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -16.640% | 11/15/2025 | 11/15/2025 | AVM | xxxxxx | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 856441 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/15/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856444 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/17/2025 | 12/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856448 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 11/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 856450 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/11/2025 | 09/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/17/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856454 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 856459 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/15/2025 | 11/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 856462 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/04/2025 | 11/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856468 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856469 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 | Property Focused |
| xxxxxx | 856470 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/14/2025 | 10/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 | Property Focused |
| xxxxxx | 856475 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 856485 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856488 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 856491 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/03/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856494 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856496 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 856497 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/05/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856498 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/03/2025 | 09/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 856503 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/21/2025 | 11/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 856506 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 857125 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/08/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857128 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/20/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 11/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 857602 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/09/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 857603 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 12/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857604 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/05/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857608 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/03/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/09/2025 | 11/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857609 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/01/2025 | 11/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857610 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/12/2025 | 12/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 857624 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/16/2025 | 12/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857626 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/16/2025 | 10/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857630 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/26/2025 | 11/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 11/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 857825 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/04/2025 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 12/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Property Focused |
| xxxxxx | 857826 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2025 | 10/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857827 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 | Property Focused |
| xxxxxx | 857836 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/01/2025 | 07/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 | Property Focused |
| xxxxxx | 857840 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857845 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/28/2025 | 11/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 857851 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 857852 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857853 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/20/2025 | 10/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 857854 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Property Focused |
| xxxxxx | 863781 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/17/2025 | 12/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/06/2026 | 12/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 863790 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/03/2026 | 01/31/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 863792 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/27/2026 | 01/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 863793 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/13/2026 | 02/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/09/2026 | 02/03/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 863795 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/15/2026 | 12/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.680% | 01/07/2026 | 01/07/2026 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC SUPPLEMENTAL DATA**

![](tm2615156d1_ex99-2img001.jpg)

**Supplemental Data**

---

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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** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** | **Scope** |
| xxxxxx | 834391 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4873.32 | $4873.32 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $5598.60 | xxxxxx | $466.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/17/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $376591.38 | 43.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  |  | Yes | 35.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 835831 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $20571.88 | $21715.26 | xxxxxx | 8.720% | $5849.66 | $7115.03 | 9.347% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $53047.05 | 1 | xxxxxx | $2055.12 | xxxxxx | $171.26 |  |  |  |  |  | 33.286% | 33.054% | 33.286% | 03/13/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20571.88 | xxxxxx | 6.810% | $0.00 | 2.1 |  |  |  | Yes | No | 9.347% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.61 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 | Mortgagor Focused |
| xxxxxx | 842434 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11584.59 | $11584.59 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $10685.04 | xxxxxx | $890.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $349035.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 27.46 |  |  | Yes | 35.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 847125 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $768.39 | $768.39 | 7.490% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2124.96 | xxxxxx | $177.08 | xxxxxx | xxxxxx | $1680.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/21/2025 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.17 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 848709 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $682.00 | $682.00 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1236.00 | xxxxxx | $103.00 | xxxxxx |  | $611.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/17/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $13630.69 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.21 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | 360 | Property Focused |
| xxxxxx | 848710 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2736.98 | $2736.98 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2121.00 | xxxxxx | $176.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 132.18 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 849095 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1686.36 | $1686.36 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1700.04 | xxxxxx | $141.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $68006.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 132.94 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 849550 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7735.56 | $7735.56 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2708.04 | xxxxxx | $225.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.23 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850225 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $648.75 | $648.75 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $825.00 | xxxxxx | $68.75 | xxxxxx |  | $325.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/09/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1 |  |  |  |  |  |  |  | xxxxxx | $228647.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 188.69 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 850261 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $863.53 | $863.53 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $375.96 | xxxxxx | $31.33 | xxxxxx |  | $3750.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/02/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $14563.45 |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 110.42 |  |  | Yes | 35.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850519 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1113.03 | $1113.03 | 6.560% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1025.04 | xxxxxx | $85.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.560% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 46.15 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850816 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8186.12 | $8186.12 | 7.250% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1958.04 | xxxxxx | $163.17 | xxxxxx |  | $820.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $1548527.32 | 77.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.15 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850971 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1920.10 | $1920.10 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1064.04 | xxxxxx | $88.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/12/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.21 |  |  | Yes | 12.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 851407 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1060.75 | $1060.75 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1426.32 | xxxxxx | $118.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 53.17 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 851611 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1442.12 | $1442.12 | 7.250% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $713.76 | xxxxxx | $59.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.7 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 851696 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2738.09 | $2738.09 | 6.800% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4838.52 | xxxxxx | $403.21 | xxxxxx | xxxxxx | $1720.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/14/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.800% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $258356.18 | 43.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 16.01 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 851906 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2795.93 | $2795.93 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1650.96 | xxxxxx | $137.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $12785.70 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.99 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 852394 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2736.45 | $2736.45 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $492.00 | xxxxxx | $41.00 | xxxxxx |  | $563.34 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/30/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.79 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 852708 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7201.85 | $7201.85 | 7.490% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 4 | xxxxxx | $11678.04 | xxxxxx | $973.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | No | 100.93 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 853639 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1231.51 | $1231.51 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $765.96 | xxxxxx | $63.83 | xxxxxx | xxxxxx | $65.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/25/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $2500.00 | 1.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.07 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854377 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1304.51 | $1304.51 | 7.999% | No | No |  |  |  |  | 0 | 0 |  |  |  | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $534.60 | xxxxxx | $44.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No |  |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854379 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1576.63 | $1576.63 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1140.96 | xxxxxx | $95.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 117.42 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854684 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1268.58 | $1268.58 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $846.12 | xxxxxx | $70.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $96478.28 | 34.450% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.86 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 4 | 240 | Property Focused |
| xxxxxx | 854710 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1508.98 | $1508.98 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1992.96 | xxxxxx | $166.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $19680.27 | 7.020% | Yes |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.85 |  |  | Yes | 18.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 854712 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4280.22 | $4280.22 | 6.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $7268.04 | xxxxxx | $605.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $124439.55 | 15.450% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 56.69 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855203 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1162.31 | $1162.31 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1803.00 | xxxxxx | $150.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $20680.27 | 9.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.31 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 855691 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $848.37 | $848.37 | 6.374% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1888.68 | xxxxxx | $157.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $4400.00 | 0.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.8 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 855724 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3242.99 | $3242.99 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4830.96 | xxxxxx | $402.58 | xxxxxx | xxxxxx | $132.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/31/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.76 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856423 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $13407.50 | $13780.56 | xxxxxx | 7.666% | $2387.62 | $2387.62 | 7.250% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6671.19 | 1 | xxxxxx | $1299.96 | xxxxxx | $108.33 |  |  |  |  |  | 51.576% | 51.576% | 51.576% | 10/30/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13407.50 | xxxxxx | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 3 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.63 |  |  | No |  |  | xxxxxx | $0.00 | $7916.65 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 856424 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1268.72 | $1268.72 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4029.00 | xxxxxx | $335.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2026 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $76603.23 | 32.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.91 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856430 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2963.38 | $2963.38 | 6.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2087.04 | xxxxxx | $173.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $2374726.55 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 448.87 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856434 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1532.61 | $1532.61 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1945.44 | xxxxxx | $162.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 96.4 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856440 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1244.62 | $1244.62 | 6.375% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1921.80 | xxxxxx | $160.15 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/12/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.31 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856441 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $921.35 | $921.35 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1323.96 | xxxxxx | $110.33 | xxxxxx | xxxxxx | $1100.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/07/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.3 |  |  | Yes | 18.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 | Property Focused |
| xxxxxx | 856444 | xxxxxx |  | N/A |  | Yes | xxxxxx | No | No | $15524.38 | $7273.58 | xxxxxx | 8.244% | $1417.51 | $1417.51 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23230.27 | 1 | xxxxxx | $1359.00 | xxxxxx | $113.25 |  |  |  |  |  | 21.111% | 21.111% | 21.111% | 12/01/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.340% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.34% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15524.38 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3000.00 | 1.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 856448 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $29095.00 | $33570.00 | xxxxxx | 7.093% | $8868.54 | $8868.54 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $14560.86 | 1 | xxxxxx | $2073.36 | xxxxxx | $172.78 | xxxxxx | xxxxxx | $282.00 |  | Monthly | 53.257% | 53.257% | 53.257% | 10/10/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $29095.00 | xxxxxx | 6.260% | $0.00 | 1.3 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $42356.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 7.39 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 856450 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $19855.00 | $80.59 | xxxxxx | 7.484% | $4642.78 | $4642.78 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20670.32 | 1 | xxxxxx | $2715.96 | xxxxxx | $226.33 |  |  |  |  |  | 28.186% | 28.186% | 28.186% | 09/26/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $19855.00 | xxxxxx | 6.260% | $157338.48 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $35000.00 | 4.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.38 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 856451 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $16927.86 | $18447.82 | xxxxxx | 7.398% | $4349.49 | $4349.49 | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9459.80 | 1 | xxxxxx | $1838.40 | xxxxxx | $153.20 | xxxxxx | xxxxxx | $1200.00 |  | Annually | 44.012% | 44.012% | 44.012% | 10/02/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16927.86 | xxxxxx | 6.190% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $189740.74 | 23.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.59 |  |  | No |  |  | xxxxxx | $0.00 | $4189.62 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 856454 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2041.73 | $2041.73 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $877.68 | xxxxxx | $73.14 | xxxxxx | xxxxxx | $70.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 11/14/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 127.33 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856459 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1139.55 | $1139.55 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1601.04 | xxxxxx | $133.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 104.66 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856462 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1293.21 | $1293.21 | 6.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1748.04 | xxxxxx | $145.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.82 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856468 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1396.99 | $1396.99 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $769.92 | xxxxxx | $64.16 | xxxxxx | xxxxxx | $300.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 104.48 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856469 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5796.87 | $5796.87 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4402.32 | xxxxxx | $366.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.32 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 856470 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2030.19 | $2030.19 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1648.08 | xxxxxx | $137.34 | xxxxxx | xxxxxx | $135.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/30/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 107.86 | Broker |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856475 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2360.10 | $2360.10 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1866.72 | xxxxxx | $155.56 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.81 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856485 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1554.99 | $1554.99 | 6.999% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $1506.96 | xxxxxx | $125.58 | xxxxxx | xxxxxx | $1315.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $288448.77 | 67.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.85 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856488 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2717.89 | $2717.89 | 6.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3493.92 | xxxxxx | $291.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.1 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 856491 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1647.44 | $1647.44 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $285.96 | xxxxxx | $23.83 | xxxxxx | xxxxxx | $442.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/27/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 102.93 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856494 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1136.16 | $1136.16 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $779.04 | xxxxxx | $64.92 | xxxxxx | xxxxxx | $544.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/24/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.44 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856496 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1070.19 | $1070.19 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $597.96 | xxxxxx | $49.83 | xxxxxx | xxxxxx | $290.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/24/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.94 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 856497 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1609.87 | $1609.87 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $240.00 | xxxxxx | $20.00 | xxxxxx | xxxxxx | $445.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/27/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 100.16 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856498 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1663.09 | $1663.09 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $282.00 | xxxxxx | $23.50 | xxxxxx | xxxxxx | $440.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/27/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 100.92 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856503 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1215.59 | $1215.59 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2039.04 | xxxxxx | $169.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/13/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $61435.47 | 27.920% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.79 |  |  | Yes | 18.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 856506 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2311.00 | $2311.00 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1583.04 | xxxxxx | $131.92 | xxxxxx | xxxxxx | $650.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/24/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.39 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857125 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4860.78 | $4860.78 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2619.96 | xxxxxx | $218.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $719525.19 | 77.780% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.77 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857128 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1978.12 | $1978.12 | 7.249% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2196.00 | xxxxxx | $183.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2025 | 726 | 716 | 732 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $7116.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 7.6 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857602 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1883.20 | $1883.20 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1005.96 | xxxxxx | $83.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 64.13 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857603 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1883.20 | $1883.20 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1050.00 | xxxxxx | $87.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 63.94 |  |  | Yes | 18.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857604 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3104.66 | $3104.66 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5179.92 | xxxxxx | $431.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/06/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $343353.09 | 46.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.25 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857608 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3341.82 | $3341.82 | 7.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $3507.00 | xxxxxx | $292.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 122.77 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857609 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1906.17 | $1906.17 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $968.04 | xxxxxx | $80.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 126.19 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857610 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2021.00 | $2021.00 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1614.00 | xxxxxx | $134.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 128.63 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857624 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7147.41 | $7147.41 | 7.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1470.96 | xxxxxx | $122.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $6221.40 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.66 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 2 | 0 | 0 | 3 | 1 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857626 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2326.61 | $2326.61 | 6.749% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2063.64 | xxxxxx | $171.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $75647.32 | 14.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 33.98 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857630 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1570.29 | $1570.29 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1364.04 | xxxxxx | $113.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 111.92 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 16 | 360 | Property Focused |
| xxxxxx | 857825 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1952.25 | $1952.25 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1216.44 | xxxxxx | $101.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.27 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857826 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5613.28 | $5613.28 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $6666.00 | xxxxxx | $555.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.5 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 857827 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7740.12 | $7740.12 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3132.96 | xxxxxx | $261.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 22.09 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857836 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2994.61 | $2994.61 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1251.96 | xxxxxx | $104.33 | xxxxxx | xxxxxx | $740.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.9 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857840 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2279.23 | $2279.23 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1203.96 | xxxxxx | $100.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 121.24 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857845 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1886.22 | $1886.22 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1390.08 | xxxxxx | $115.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/03/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.13 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857851 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3529.97 | $3529.97 | 8.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2135.88 | xxxxxx | $177.99 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $240022.80 | 41.020% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.08 |  |  | Yes | 30.000% |  | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 857852 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5003.54 | $5003.54 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1401.00 | xxxxxx | $116.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.51 | 1.95 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 47.74 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | Property Focused |
| xxxxxx | 857853 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1434.26 | $1434.26 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1431.00 | xxxxxx | $119.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/13/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.73 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 857854 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1064.55 | $1064.55 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1224.96 | xxxxxx | $102.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 106.95 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 863781 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1699.69 | $1699.69 | 7.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $5006.04 | xxxxxx | $417.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  | 240 | xxxxxx | $219253.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 104.75 | Broker |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |  | 240 | Property Focused |
| xxxxxx | 863783 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5923.37 | $5923.37 | 8.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $17771.28 | xxxxxx | $1480.94 | xxxxxx | xxxxxx | $2074.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 12/30/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.66 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 147.9 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 863790 | xxxxxx |  | Non QM |  |  | xxxxxx | Yes | No | $8789.00 | $1148.98 | xxxxxx | 8.121% | $5048.24 | $5048.24 | 8.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $52810.12 | 1 | xxxxxx | $4123.20 | xxxxxx | $343.60 | xxxxxx | xxxxxx | $1036.00 |  | Annually | 24.082% | 24.082% | 24.082% | 01/15/2026 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 56.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8789.00 | xxxxxx | 6.100% | $20000.00 | 2 |  |  |  | Yes | No | 8.125% | 2 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $68327.48 | 8.540% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.65 | Retail | Yes | No |  |  | xxxxxx | $19468.28 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 863792 | xxxxxx |  | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1346.82 | $1346.82 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $875.04 | xxxxxx | $72.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/12/2026 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.35 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 863793 | xxxxxx |  | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $31687.00 | $3754.50 | xxxxxx | 7.139% | $12396.42 | $12396.42 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $568877.46 | 1 | xxxxxx | $9114.24 | xxxxxx | $759.52 | xxxxxx | xxxxxx | $500.00 |  | Annually | 4.204% | 4.204% | 4.204% | 01/13/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $31687.00 | xxxxxx | 6.130% | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20000.00 | 0.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 63.14 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 863795 | xxxxxx |  | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $32395.00 | $32897.22 | xxxxxx | 7.827% | $12457.17 | $12457.17 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $230731.29 | 1 | xxxxxx | $3157.68 | xxxxxx | $263.14 |  |  |  |  |  | 9.101% | 9.101% | 9.101% | 10/03/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 25.00000% \| 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 |  | xxxxxx | xxxxxx | $32395.00 | xxxxxx | 6.060% | $0.00 | 2.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.23 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

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

![](tm2615156d1_ex99-8img001.jpg)

**NARRATIVE**

**Verus 2026-5**

**By Canopy Financial Technology Partners LLC on May 19, 2026**

Canopy Financial Technology Partners LLC

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

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

![](tm2615156d1_ex99-8img001.jpg)

**Description of Services**

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

The Review consisted of a population of five hundred seventy-five (575) Loans with an aggregate principal balance of $281,270,151.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); DBRS Morningstar and Moody's Investors Service, Inc.

**Data Integrity**

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

---

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

---

![](tm2615156d1_ex99-8img001.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets
 and Reserves;

· DTI;

· DSCR;

· Gross
 Income;

· Housing
 history;

· Lien
 Position;

· Loan
 Purpose;

· LTV/CLTV;

· Monthly
 debt service;

· Occupancy;

![](tm2615156d1_ex99-8img001.jpg)

· Property
 Type;

· Qualifying
 PITI; and

· Residual
 Income.

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

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

· Borrower(s) employment
 history ;

· Citizenship
 and eligibility;

· First
 time home buyer status ;

· The
 application was signed by all borrowers; and

· The
 application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy
 and foreclosure seasoning;

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

· Installment
 and revolving payment history;

· Mortgage/rental
 payment history;

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

· Number
 of tradelines; and

· Representative
 Credit Score and Methodology.

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

· Verbal
 or Written VOE's;

· Paystubs;

· W-2
 forms;

· Tax
 returns;

· Financial
 statements;

· Award
 letters;

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

![](tm2615156d1_ex99-8img001.jpg)

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower
 identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 name variations

· Employment:

· Licensing
 – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan
 officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject
 property ownership history

· OFAC.

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

· Depository
 account statements;

· Gift
 funds;

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

· Stock
 or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

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

**Document Review**

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

· Initial
 application (1003);

· Final
 application (1003);

· Note;

· Mortgage/Deed
 of Trust;

· Appraisal;

· Sales
 Contract;

· Title
 Commitment/Policy;

· Junior
 Lien/Subordination Agreement;

· Mortgage
 Insurance;

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

· Flood
 Certification;

· Initial
 and Final Loan Estimate (LE);

· Initial
 and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

![](tm2615156d1_ex99-8img001.jpg)

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

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

**Ability to Repay (ATR)**

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

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

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

![](tm2615156d1_ex99-8img001.jpg)

**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

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

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

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

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E; DBRS Morningstar and Moody's Investors Service, Inc.

![](tm2615156d1_ex99-8img001.jpg)

---

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

---

---

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

---

---

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

---

---

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

---

![](tm2615156d1_ex99-8img001.jpg)

**FINDINGS SUMMARY**

**Summary Overview – DBRS Morningstar**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 85.57% (492 loans) have an overall grade of "A", and 14.43% (83 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 502 Loans reviewed (87.30%), and 73 loans (12.70%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 567 Loans reviewed (98.61%), and 8 loans (1.39%) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 570 Loans reviewed (99.13%), and 5 loans (0.87%) have a Property grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES – DBRS Morningstar**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;492 | &nbsp;&nbsp;85.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;83 | &nbsp;&nbsp;14.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |

---

![](tm2615156d1_ex99-8img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;502 | &nbsp;&nbsp;87.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;567 | &nbsp;&nbsp;98.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;570 | &nbsp;&nbsp;99.13% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |

---

**Summary Overview – Moody's**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 80.70% (464 loans) have an overall grade of "A", 13.39% (77 loans) have an overall grade of "B", and 5.91% (34 loans) are N/A.

Canopy's review concluded a Credit grade of "A" for 472 Loans reviewed (82.09%), 69 loans (12.00%) have a Credit grade of "B", and 5.91% (34 loans) are N/A.

Canopy's review concluded a Compliance grade of "A" for 535 Loans reviewed (93.04%), 6 loans (1.04%) have a Compliance grade of "B", and 5.91% (34 loans) are N/A.

Canopy's review concluded a Property/Valuation grade of "A" for 537 Loans reviewed (93.39%), 4 loans (0.70%) has a Property grade of "B", and 5.91% (34 loans) are N/A.

![](tm2615156d1_ex99-8img001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES – Moody's**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;464 | &nbsp;&nbsp;80.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;77 | &nbsp;&nbsp;13.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.91% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;472 | &nbsp;&nbsp;82.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;69 | &nbsp;&nbsp;12.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.91% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;535 | &nbsp;&nbsp;93.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.91% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;537 | &nbsp;&nbsp;93.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.91% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** |

---

![](tm2615156d1_ex99-8img001.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;565 | &nbsp;&nbsp;98.26% | &nbsp;&nbsp;$276403651.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.74% | &nbsp;&nbsp;$4866500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$281270151.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;541 | &nbsp;&nbsp;94.09% | &nbsp;&nbsp;$269808059.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;34 | &nbsp;&nbsp;5.91% | &nbsp;&nbsp;$11462092.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$281270151.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$466000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;$2776600.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;252 | &nbsp;&nbsp;43.83% | &nbsp;&nbsp;$112951829.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;50 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;$28639711.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;204 | &nbsp;&nbsp;35.48% | &nbsp;&nbsp;$100396194.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;60 | &nbsp;&nbsp;10.43% | &nbsp;&nbsp;$36039817.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$281270151.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.87% | &nbsp;&nbsp;$876250.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$250000.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;560 | &nbsp;&nbsp;97.39% | &nbsp;&nbsp;$274209476.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;$5934425.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$281270151.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;185 | &nbsp;&nbsp;32.17% | &nbsp;&nbsp;$113409300.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;21 | &nbsp;&nbsp;3.65% | &nbsp;&nbsp;$17017420.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;369 | &nbsp;&nbsp;64.17% | &nbsp;&nbsp;$150843431.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**575** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$281270151.00** |

---

![](tm2615156d1_ex99-8img001.jpg)

**DATA COMPARISON RESULTS**

Of the five hundred seventy-five (575) mortgage loan files reviewed, three hundred twenty-three (323) unique loans (56.17% by number) had five hundred forty-four (544) tape comparison discrepancies across thirty-five (35) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;575 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;23 | &nbsp;&nbsp;575 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;575 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.70% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;52 | &nbsp;&nbsp;575 | &nbsp;&nbsp;9.04% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;575 | &nbsp;&nbsp;1.57% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;575 | &nbsp;&nbsp;1.39% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;575 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;26 | &nbsp;&nbsp;575 | &nbsp;&nbsp;4.52% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;53 | &nbsp;&nbsp;575 | &nbsp;&nbsp;9.22% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30day 24Months | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 60day 24Months | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;125 | &nbsp;&nbsp;575 | &nbsp;&nbsp;21.74% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;575 | &nbsp;&nbsp;1.22% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;25 | &nbsp;&nbsp;575 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;20 | &nbsp;&nbsp;575 | &nbsp;&nbsp;3.48% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;16 | &nbsp;&nbsp;575 | &nbsp;&nbsp;2.78% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;575 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;575 | &nbsp;&nbsp;2.61% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;18 | &nbsp;&nbsp;575 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;58 | &nbsp;&nbsp;575 | &nbsp;&nbsp;10.09% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;575 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;575 | &nbsp;&nbsp;1.22% |

---

![](tm2615156d1_ex99-8img001.jpg)

**Disclaimer**

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.*

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

## Exhibit 99.9

**EXHIBIT 99.9**

**CANOPY RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 840909 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844088 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846780 | xxxxxx | C A | Closed | xxxxxx | 2025-12-30 18:58 | 2026-01-05 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-01/05/2026 <br>Open-Primary Value Appraisal is Expired and 1004D is not provided for Subject property. - Due Diligence Vendor-12/31/2025 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-01/05/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 117.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 846780_xxxxxx_Loan_#846780_LDL-Report_UPDATED_12-12-2025.pdf<br> 846780_xxxxxx Appraisal824880X.pdf<br> 846780_xxxxxx_-_Appraisal_docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847418 | xxxxxx | B A | Closed | xxxxxx | 2025-09-11 07:10 | 2025-09-15 11:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsBORROWER RECEIVED GIFT FUNDS FOR THE EARNET MONEY DEPOSIT. LTV MAX FOR GIFT FUNDS ARE CAPPED AT 65% <br> - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception granted with compensating factorsBORROWER RECEIVED GIFT FUNDS FOR THE EARNET MONEY DEPOSIT. LTV MAX FOR GIFT FUNDS ARE CAPPED AT 65% <br> - Due Diligence Vendor-09/11/2025 | Low qualifying LTV - Qualifying LTV is below 80% at 75%.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | REAL ESTATE PORTFOLIO EXPANSION INTO THE xxxxxx. MARKET <br> 75% LTV <br> 29.71 MONTHS RESERVES <br> 1.01 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847418 | xxxxxx | B A | Closed | xxxxxx | 2025-09-11 09:50 | 2025-09-15 11:24 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client Exception granted with compensating factorsGUIDELINES REQUIRE A VALID VISA FOR FOREIGN NATIONALS <br> BORROWER HAS SUBMITTED THEIR APPLICATION FOR A VISA RENEWAL EXTENTION <br> - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception granted with compensating factorsGUIDELINES REQUIRE A VALID VISA FOR FOREIGN NATIONALS <br> BORROWER HAS SUBMITTED THEIR APPLICATION FOR A VISA RENEWAL EXTENTION <br> - Due Diligence Vendor-09/11/2025<br>| Low qualifying LTV - Qualifying LTV is below 80% at 75%.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | REAL ESTATE PORTFOLIO EXPANSION INTO THE xxxxxx. MARKET <br> 75% LTV <br> 29.71 MONTHS RESERVES <br> 1.00 DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847418 | xxxxxx | B A | Closed | xxxxxx | 2025-09-15 11:21 | 2025-09-15 11:21 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsAsset Qualification Does Not Meet Guideline Requirements Lender exception for full down payment coming from gift funds. - Due Diligence Vendor-09/15/2025 |  | Waived-Client Exception granted with compensating factorsAsset Qualification Does Not Meet Guideline Requirements Lender exception for full down payment coming from gift funds. - Due Diligence Vendor-09/15/2025<br>| Low qualifying LTV - Qualifying LTV is below 80% at 75%.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | > 6 months reserves <br> 75% LTV |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847539 | xxxxxx | C A | Closed | xxxxxx | 2026-01-16 14:47 | 2026-01-22 12:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see updated HOI, showing expiration xxxxxx - Due Diligence Vendor-01/21/2026 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-01/16/2026 |  | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-01/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 26.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 675 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 675 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 847539_xxxxxx_Updated_HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848794 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849001 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 11:28 | 2026-04-20 18:13 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Credit History Not Considered Properly | Resolved-Gap report is fully present. - Due Diligence Vendor-04/20/2026 <br> Open-ATR: Credit History Not Considered Properly Note is dated xxxxxx but the most recent gap credit report is dated 1/29/2026. - Due Diligence Vendor-04/07/2026 |  | Resolved-Gap report is fully present. - Due Diligence Vendor-04/20/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.48 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849001 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 11:21 | 2026-04-17 08:53 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. See gap report - Due Diligence Vendor-04/17/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note is dated xxxxxx but the most recent gap credit report is dated 1/29/2026. - Due Diligence Vendor-04/07/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.48 Years |  | 849001_xxxxxx_CB-LQI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849001 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 11:21 | 2026-04-17 08:53 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. See gap report - Due Diligence Vendor-04/17/2026 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Note is dated xxxxxx but the most recent gap credit report is dated 1/29/2026. - Due Diligence Vendor-04/07/2026 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.48 Years |  | 849001_xxxxxx_B-LQI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849001 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 02:33 | 2026-04-17 08:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. Missing Doc - Employment - Due Diligence Vendor-04/17/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.48 Years |  | 849001_xxxxxx_CB-Verbal_VOE.pdf<br> 849001_xxxxxx_B-Verbal_VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 10:02 | 2025-11-25 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. 11/24/25 - please see prelim - Due Diligence Vendor-11/24/2025 <br> Open-Title Document is missing Missing title commitment or final title policy if available. - Due Diligence Vendor-11/21/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 681 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review849500_xxxxxx_11_24_2025_43620_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849631 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850997 | xxxxxx | C A | Closed | xxxxxx | 2025-11-11 13:44 | 2025-11-26 18:00 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Lender said to use initial interest rate to qualify. Based on that DSCR falls within guidelines. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-xxxxxx Team, please note that the DSCR is the monthly gross income divided by the PITIA of the subject property (not the Qualify PITIA). Please waive this condition since we only the note rate. xxxxxx - Seller-11/26/2025 <br> Counter-xxxxxx guidelines silent on qualifying terms for ARM loan. using standard "Greater of Start Rate or fully indexed rate" DSCR is < .75. Please provide guidance if start rate for ARM loan is to be used instead. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see updated 1008 and 1007 for rent schedule. the DSCR is 0.76 now and please waive this condition. xxxxxx. - Seller-11/22/2025 <br> Counter-Document Uploaded. xxxxxx for the confusion, the Borrower is a FTHB and per DSCR matrix the DSCR has to be >0.75 - Audited DSCR is .616 - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx team, <br> our matrix does allow for under 0.75 so please waive this condition. xxxxxx - Seller-11/12/2025 <br> Open-- Minimum DSCR .75 per guidelines however calculated DSCR is only .616. QC could not locate an exception in the documents. - Due Diligence Vendor-11/11/2025 | Ready for Review-xxxxxx Team, please note that the DSCR is the monthly gross income divided by the PITIA of the subject property (not the Qualify PITIA). Please waive this condition since we only the note rate. xxxxxx - Seller-11/26/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see updated 1008 and 1007 for rent schedule. the DSCR is 0.76 now and please waive this condition. xxxxxx. - Seller-11/22/2025 <br> Ready for Review-Document Uploaded. xxxxxx team, <br> our matrix does allow for under 0.75 so please waive this condition. xxxxxx - Seller-11/12/2025 | Resolved-Lender said to use initial interest rate to qualify. Based on that DSCR falls within guidelines. - Due Diligence Vendor-11/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | xxxxxx DSCR Matrix 42125 5 (1).pdf<br> Screenshot 2025-11-13 122056.jpg<br> xxxxxx_Condition.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851488 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851550 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851828 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851918 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851978 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852098 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852205 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 16:57 | 2025-12-29 13:54 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-12/29/2025 <br> Counter-Per Guidelines: 2.9.1.3.1 APPRAISAL REVIEW PRODUCTS 1-4 RESIDENTIAL PROPERTY - The following options are eligible review products: CU & LCA (UCDP) summary / An enhanced desk review / AVM from an approved vendor with an acceptable FSD score range. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Reviewers recommended (value) on page 1. - Buyer-12/29/2025 <br> Counter-Document Uploaded. The 2006 Review form provided is not a Field review. The Report states the appraiser reviewed the original appraisal vs onsite analysis that does include physical inspection and collecting new data for accuracy. <br> Per Guidelines: 2.9.1.3.1 APPRAISAL REVIEW PRODUCTS 1-4 RESIDENTIAL PROPERTY - The following options are eligible review products: CU & LCA (UCDP) summary / An enhanced desk review / AVM from an approved vendor with an acceptable FSD score range. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached Field Review. - Due Diligence Vendor-12/29/2025 <br> Counter-Document Uploaded. a Desk review is required and the document being provided does not reflect a value or risk score. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Due Diligence Vendor-12/24/2025 <br> Open-Desk Review does not provide a value for the subject property. - Due Diligence Vendor-12/22/2025 |  | Resolved- - Due Diligence Vendor-12/29/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 126.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 710% By Ten Percent (10%) Or More |  | 852205_xxxxxx_CDA.pdf<br> Screenshot 2025-12-24 080243.jpg<br> 852205_xxxxxx_Field_Review.pdf<br> Screenshot 2025-12-29 101534.jpg<br> xxxxxx Field Review.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852361 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852369 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852371 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852372 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852392 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 03:46 | 2026-01-16 13:23 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA validated. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Collateral Desktop Analysis by xxxxxx - Seller-01/16/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Rescinded- - Due Diligence Vendor-01/05/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Collateral Desktop Analysis by xxxxxx - Seller-01/16/2026 | Resolved-CDA validated. - Due Diligence Vendor-01/16/2026<br>|  |  | CDA - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852392 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-02 23:24 | 2026-01-07 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Executed Purchase contract provided. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. all parts of the purchase contract are executed by the buyer and seller - some places are very very light but they are initialed or signed. - Seller-01/07/2026 <br> Open-Incomplete or unexecuted Purchase Contract. Missing fully executed Addenda P: Lead Paint Disclosure (Pre-1978). Property was built in xxxxxx. - Due Diligence Vendor-01/03/2026 | Ready for Review-Document Uploaded. all parts of the purchase contract are executed by the buyer and seller - some places are very very light but they are initialed or signed. - Seller-01/07/2026 | Resolved-Executed Purchase contract provided. - Due Diligence Vendor-01/07/2026<br>|  |  | purchase contract - xxxxxx.pdf<br> purchase contract - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852438 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 03:01 | 2026-01-26 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-01/26/2026 <br> Open-Missing Third Party Fraud Report in file - Due Diligence Vendor-01/19/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/26/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 852438_xxxxxx_-_FRAUD_-_updated_with_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852506 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852507 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852516 | xxxxxx | B A | Closed | xxxxxx | 2026-01-19 06:11 | 2026-01-23 11:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Client Approval. - Due Diligence Vendor-01/22/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/19/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 852516_xxxxxx_852516_xxxxxx_Final_LDL_1-13-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852541 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 05:13 | 2025-12-31 13:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-12/31/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/29/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 852541_xxxxxx_852541_xxxxxx_FINAL_Notice_of_Loan_Approval_12-19-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852541 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 04:52 | 2025-12-31 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Short term rental documents provided. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Seller used xxxxxx information in lieu of 1007. - Due Diligence Vendor-12/31/2025 <br> Open-Missing rent comparable schedule form 1007 for Subject property. - Due Diligence Vendor-12/29/2025 |  | Resolved-Short term rental documents provided. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 852541_xxxxxx_xxxxxx-rental-2025-.pdf<br> 852541_xxxxxx_P-xxxxxx-LINK_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852541 | xxxxxx | D A | Closed | xxxxxx | 2025-12-29 04:51 | 2025-12-31 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. See Fraud Report - Due Diligence Vendor-12/31/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/29/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 852541_xxxxxx_1_FF.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852588 | xxxxxx | C A | Closed | xxxxxx | 2026-02-09 23:56 | 2026-02-13 14:12 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. see 1004D - Due Diligence Vendor-02/13/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing Completion Report (1004D) Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present. - Due Diligence Vendor-02/10/2026 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/13/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.33 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.84% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 852588_xxxxxx.pdf<br> 852588_xxxxxx_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852603 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 19:40 | 2025-12-22 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. 12/18/25 - please see add'l assets. - Due Diligence Vendor-12/22/2025 <br> Open-Provide additional assets requested. - Due Diligence Vendor-12/18/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-12/22/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.33% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years |  | Full Review852603_xxxxxx_12_18_2025_101656_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852603 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 03:27 | 2025-11-21 14:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. 11/20/25 - please see 1008 - Due Diligence Vendor-11/21/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/12/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/21/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.33% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years |  | Full Review852603_xxxxxx_11_20_2025_44238_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852673 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 13:36 | 2025-12-22 11:14 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved- - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached verification used by the Client UW to satisfy. xxxxxx! - Due Diligence Vendor-12/22/2025 <br> Open-. Provide the borrower's Form I-551 (Green Card) within the listed options required per guidelines, section 2.4.1.2, for a Permanent Resident Alien. At the time of review a passport issued from xxxxxx and xxxxxx was provided and does not state "Processed for I-551 Temporary Evidence of Lawful Admission for Permanent Residence. Valid until [mm-dd-yy]. Employment Authorized." As required for a foreign passport. - Due Diligence Vendor-12/17/2025 |  | Resolved- - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.17% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review852673_xxxxxx_12_18_2025_120708_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852673 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 06:57 | 2025-12-22 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached verification used by the Client UW to satisfy. xxxxxx! - Due Diligence Vendor-12/22/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. . Provide payment history for primary residence located at, xxxxxx, paid as agreed as required on guidelines, section 2.6.5.2. At the time of review, only the lease was provided showing the term starting on xxxxxx for $3,900 a month. - Due Diligence Vendor-12/17/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-12/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.71 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 29.17% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review852673_xxxxxx_12_18_2025_120137_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852784 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852885 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-22 00:04 | 2026-03-30 10:59 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-03/26/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.<br> - Due Diligence Vendor-03/22/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-03/30/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.18% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.59 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.59 Years |  | Full Review852885_xxxxxx_xxxxxx_3_25_2026_111840_AM.zip<br> 852885_xxxxxx_ClosingDisclosurePkg_xxxxxx_135619.pdf<br> 852885_xxxxxx_ClosingDisclosurePkg_xxxxxx_141624.pdf<br> 852885_xxxxxx_ClosingDisclosurePkg_xxxxxx_212122.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852885 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 07:47 | 2026-03-26 08:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-03/25/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender income Work sheet for verify the Non-Business Transaction and verify the Monthly qualify income. - Due Diligence Vendor-03/21/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/26/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.18% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.59 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.59 Years |  | Full Review852885_xxxxxx_3_24_2026_42415_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852885 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 06:35 | 2026-03-26 08:46 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-03/25/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Provide 1004D for the Subject property Located at the xxxxxx.<br> - Due Diligence Vendor-03/21/2026 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-03/26/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.18% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.59 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.59 Years |  | 852885_xxxxxx Appraisal826696X.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852901 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852907 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 16:36 | 2025-12-22 11:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved- - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. 12/19/25 - please see attached revised Prepay Addendum and Rider. Prepay updated to 60 mos and 3% fixed of amount prepaid. - Due Diligence Vendor-12/22/2025 <br> Open-Lender revising the PPP Rider to DOT and PPP Addendum to the Note. - Due Diligence Vendor-12/17/2025 |  | Resolved- - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852907_xxxxxx_12_19_2025_72411_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852910 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852915 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852925 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852930 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852979 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 10:06 | 2025-11-25 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-CPM approval provided. - Due Diligence Vendor-11/25/2025 <br> Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached CPM approved documentation to clear - Due Diligence Vendor-11/24/2025 <br> Counter-Missing CPM xxxxxx Approved Document. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-11/21/2025 <br> Open-HOA Questionnaire Document status is Partial. HOA Questionnaire Document status is Missing. - Due Diligence Vendor-11/18/2025 |  | Resolved-CPM approval provided. - Due Diligence Vendor-11/25/2025 <br>Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-11/25/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 23.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.33 Years Borrower At Current Residence For Five (5) Or More Years - 13.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852979_xxxxxx_11_20_2025_13659_PM.zip<br> Full Review852979_xxxxxx_11_24_2025_30312_PM.zip<br> Full Review852979_xxxxxx_11_24_2025_30312_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853101 | xxxxxx | B A | Closed | xxxxxx | 2025-12-03 10:46 | 2025-12-18 22:17 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final signed CD provided - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please provide more specific detail on on what you are looking for if this is incorrect. - Seller-12/17/2025 <br> Ready for Review-Attached are the 2 documents that need to be signed by the borrower. This is the purchase of an investment property. I do not see a page 6 on either document required to be executed. - Seller-12/17/2025 <br> Counter-The condition is for the Final CD Page 6 / Signature page that is executed and dated by borrower/LLC is missing from file - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Page 6 / Signature page that is executed and dated by borrower/LLC is missing from file - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Please provide more specific detail on on what you are looking for if this is incorrect. - Seller-12/17/2025 <br> Ready for Review-Attached are the 2 documents that need to be signed by the borrower. This is the purchase of an investment property. I do not see a page 6 on either document required to be executed. - Seller-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 | Resolved-Final signed CD provided - Due Diligence Vendor-12/19/2025<br>|  |  | xxxxxx (2).pdf<br> Final signed CD - xxxxxx.pdf<br> Final signed CD - xxxxxx.pdf<br> LLC documents - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853109 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853142 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853304 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853312 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853398 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 12:06 | 2025-12-16 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Desk review provided. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. See attached CDA with no variance. - Due Diligence Vendor-12/16/2025 <br> Open-Please verify Collateral Underwriter Score Provided is actually Missing. Missing satisfactory CDA. Invoice for xxxxxx seen in file but missing desk review. - Due Diligence Vendor-12/12/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-12/16/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.54% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.26 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review853398_xxxxxx_12_16_2025_122626_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853401 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 17:13 | 2025-12-18 10:45 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-12/18/2025 <br>Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-12/18/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review853401_xxxxxx_12_17_2025_40546_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853412 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 13:58 | 2025-12-29 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. See credit report - Due Diligence Vendor-12/29/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/22/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 102.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 59.87% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.42 Years |  | 853412_1525 xxxxxx_credit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 853418 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853419 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853527 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853543 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853571 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853588 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853648 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853651 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853696 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 16:39 | 2026-03-18 14:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx SSR, - Due Diligence Vendor-03/18/2026 <br>Open- - Due Diligence Vendor-03/17/2026 |  | Resolved- - Due Diligence Vendor-03/18/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 38.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |  | 853696_xxxxxx_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853702 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853764 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853829 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 13:29 | 2026-05-04 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Resolved-Schedule A from title company provided. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached, schedule A shows the info in section Source of title. - Due Diligence Vendor-05/04/2026 <br> Open-Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Missing evidence of title transfer chain - Due Diligence Vendor-05/04/2026 |  | Resolved-Schedule A from title company provided. - Due Diligence Vendor-05/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853829 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 03:15 | 2025-12-12 07:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-12/11/2025 <br>Open-1008/Underwriting Summary Not Provided Provide 1008/Underwriting Summary. - Due Diligence Vendor-12/08/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 853829_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853829 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 03:32 | 2025-12-12 07:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Documents provided. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached Entity Docs. - Due Diligence Vendor-12/11/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide Operating Agreement/equivalent for the LLC Name " xxxxxx ". - Due Diligence Vendor-12/08/2025 |  | Resolved-Entity Documents provided. - Due Diligence Vendor-12/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review853829_xxxxxx_12_10_2025_61948_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853829 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 02:55 | 2025-12-12 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-12/11/2025 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report for the Subject Property Placed at " xxxxxx". - Due Diligence Vendor-12/08/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 853829_xxxxxx_FRAUD_REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853829 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 02:52 | 2025-12-12 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI. - Due Diligence Vendor-12/11/2025 <br> Open-Missing Hazard Insurance Policy Provide Hazard Insurance for the Subject Property Placed at " xxxxxx ". - Due Diligence Vendor-12/08/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 853829_xxxxxx_hoi.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853867 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-22 15:42 | 2025-12-29 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. See LLC docs - Due Diligence Vendor-12/29/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing certificate of good standing - Due Diligence Vendor-12/22/2025 |  | Resolved-Entity documents provided. - Due Diligence Vendor-12/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.41 Years Borrower At Current Residence For Five (5) Or More Years - 16.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 75.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 853867_xxxxxx_MergedDocs_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853867 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-22 16:40 | 2025-12-24 07:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Seeking 5% LTV exception 75 (70) rate term refi of balloon loan (no payments see note no subject HH avail). - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. See LTV exception - Due Diligence Vendor-12/24/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV 70% for condo - Due Diligence Vendor-12/22/2025 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Seeking 5% LTV exception 75 (70) rate term refi of balloon loan (no payments see note no subject HH avail). - Due Diligence Vendor-12/24/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.41 Years Borrower At Current Residence For Five (5) Or More Years - 16.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 75.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 20 points > minimum required | 853867_xxxxxx_Exception_Request_Report_(30).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853905 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853935 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 11:27 | 2025-12-15 13:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. 12/9/25 - Pleas see xxxxxx dated 9/30/2024 was provided as it shows the EMD withdrawal. Reuploaded xxxxxx dated 10/31/2025 as the account used for cash to close. - Due Diligence Vendor-12/15/2025 <br> Counter-Document Uploaded. Unable to open Document in zip folder. please reupload - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. 12/9/25 - Pleas see xxxxxx dated 9/30/2024 was provided as it shows the EMD withdrawal. Reuploaded xxxxxx dated 10/31/2025 as the account used for cash to close. - Due Diligence Vendor-12/10/2025 <br> Open-Asset 1 Expired assets xxxxxx \*xxxxxx dated 9/30/2024 has expired. The documentation requirement for all transactions is a single account statement covering a one <br> (1) month period and dated within 120 days of the loan note date - Due Diligence Vendor-12/05/2025 |  | Resolved-Asset 1 Not Expired - Due Diligence Vendor-12/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review853935_xxxxxx_12_9_2025_103316_AM.zip<br> Screenshot 2025-12-11 101347.jpg<br> Full Review853935_xxxxxx_12_12_2025_35729_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853935 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 13:08 | 2025-12-12 16:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. 12/8/25 - please see CLA uploaded - reflects all pertinent information - Due Diligence Vendor-12/09/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/04/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review853935_xxxxxx_12_8_2025_43507_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853935 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 11:46 | 2025-12-12 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-12/12/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV under xxxxxx with DSCR >1.0 is 70% with loan amount xxxxxx (loan amount >1.0Mil to $1.5Mil - Due Diligence Vendor-12/05/2025 |  | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-12/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853935 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 11:03 | 2025-12-11 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. 12/8/25 - please see Full fraud report uploaded - Due Diligence Vendor-12/09/2025 <br> Open-Third Party Fraud Report Partially Provided Missing complete pages of xxxxxx. Page 1 of 7 in file - Due Diligence Vendor-12/05/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review853935_xxxxxx_12_8_2025_44424_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853947 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 06:56 | 2025-11-20 06:56 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception granted with compensating factorsGuidelines require the borrower to have an assigned ITIN. <br> Requesting an exception for no ITIN and with valid SSN. - Due Diligence Vendor-11/20/2025 |  | Waived-Client Exception granted with compensating factorsGuidelines require the borrower to have an assigned ITIN. <br> Requesting an exception for no ITIN and with valid SSN. - Due Diligence Vendor-11/20/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves of 78 months. <br> Not income producing. No physical deficiencies or adverse conditions. <br> Property conforms with neighborhood. Marketing time is under 3 months and increasing. <br> Open and active mortgage/HELOC reporting on credit report with 0x30x70 rating. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853947 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 06:55 | 2025-11-20 06:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsGuidelines allow a maximum 50% LTV for cash-out refinance transactions with a DSCR between 0.80 and 0.99. <br> Requesting an exception to exceed the 50% LTV cap with DSCR 0.91. Current LTV 53.847%. - Due Diligence Vendor-11/20/2025 |  | Waived-Client Exception granted with compensating factorsGuidelines allow a maximum 50% LTV for cash-out refinance transactions with a DSCR between 0.80 and 0.99. <br> Requesting an exception to exceed the 50% LTV cap with DSCR 0.91. Current LTV 53.847%. - Due Diligence Vendor-11/20/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves of 78 months. <br> Not income producing. No physical deficiencies or adverse conditions. <br> Property conforms with neighborhood. Marketing time is under 3 months and increasing. <br> Open and active mortgage/HELOC reporting on credit report with 0x30x70 rating. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853947 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 06:55 | 2025-11-20 06:55 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client Exception granted with compensating factorsGuidelines do not permit transfer of an appraisal completed "Subject to." Requesting an exception to proceed with transferring the appraisal with "Subject to" status; 1004D report completed verifying completion - Due Diligence Vendor-11/20/2025 |  | Waived-Client Exception granted with compensating factorsGuidelines do not permit transfer of an appraisal completed "Subject to." Requesting an exception to proceed with transferring the appraisal with "Subject to" status; 1004D report completed verifying completion - Due Diligence Vendor-11/20/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves of 78 months. <br> Not income producing. No physical deficiencies or adverse conditions. <br> Property conforms with neighborhood. Marketing time is under 3 months and increasing. <br> Open and active mortgage/HELOC reporting on credit report with 0x30x70 rating. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853948 | xxxxxx | B A | Closed | xxxxxx | 2025-11-13 05:32 | 2025-11-13 05:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with compensating factorsGuidelines require ITIN borrowers to have a minimum credit depth of three (3) acceptable tradelines aged individually for 2 years. <br> Requesting approval to proceed with only 1 tradeline aged for 2 years. - Due Diligence Vendor-11/13/2025 |  | Waived-Client Exception granted with compensating factorsGuidelines require ITIN borrowers to have a minimum credit depth of three (3) acceptable tradelines aged individually for 2 years. <br> Requesting approval to proceed with only 1 tradeline aged for 2 years. - Due Diligence Vendor-11/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.5 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | DSCR > 1.15 <br> Borrower's FICO score is 39 points higher than the minimum required by the program. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853968 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854013 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854095 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854103 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854109 | xxxxxx | B A | Closed | xxxxxx | 2025-12-30 06:16 | 2026-01-02 08:09 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. See UW approval - Due Diligence Vendor-12/31/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-12/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854109_xxxxxx_854109_xxxxxx_FINAL_Notice_of_Loan_Approval_12-12-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854136 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854215 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854225 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854239 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854296 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854333 | xxxxxx | D A | Closed | xxxxxx | 2026-03-01 22:11 | 2026-03-17 13:26 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-xxxxxx provided confirms application date triggered in LOS system is xxxxxx. xxxxxx - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx - Due Diligence Vendor-03/17/2026 <br> Counter-Documentation only indicates the date the LO acknowledged the URLA/1003 and not the federal definition of borrower application date. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. application date xxxxxx Discs went out 10/21/2025 - Due Diligence Vendor-03/10/2026 <br> Counter-\*\*Lender to provide a copy of their internal compliance test results for review. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see application - Due Diligence Vendor-03/05/2026 <br> Open-\*\*\*\*\*\* Documentation provided does not include confirmation of the borrowers application date. (LO signature date is only the date the LO acknowledged the URLA, not the date the lender received the 6 pieces of information required to trigger the application timing) A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-03/02/2026 |  | Resolved-xxxxxx provided confirms application date triggered in LOS system is xxxxxx. xxxxxx - Due Diligence Vendor-03/17/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | Full Review854333_xxxxxx_3_4_2026_33712_PM.zip<br> Full Review854333_xxxxxx_3_9_2026_31917_PM.zip<br> Full Review854333_xxxxxx_3_13_2026_120254_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854333 | xxxxxx | D A | Closed | xxxxxx | 2026-02-27 09:22 | 2026-03-06 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. please see initial 1003 - Due Diligence Vendor-03/05/2026 <br>Open-The Initial 1003 is Missing \*\*\*\*\* Only final 1003 on file, please provide initial 1003. - Due Diligence Vendor-03/02/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/06/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | 854333_xxxxxx.1003_20260304152542.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854337 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854339 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854346 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854353 | xxxxxx | C A | Closed | xxxxxx | 2025-12-26 13:51 | 2025-12-31 08:32 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Please review Appraisal. Appraisers License expires on xxxxxx. - Due Diligence Vendor-12/31/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Provide proof the appraiser's license was effective date of inspection. Appraiser's License xxxxxx with xxxxxx shows effective xxxxxx vs the appraisal inspection date xxxxxx. - Due Diligence Vendor-12/29/2025 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is greater than Guideline Minimum Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Qualifying LTV is below the Guideline Maximum Original LTV Of 39.41% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves are greater than Guideline Minimum Months Reserves Of 86.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854489 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854521 | xxxxxx | B A | Closed | xxxxxx | 2026-01-08 12:04 | 2026-01-10 11:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Client Approval. - Due Diligence Vendor-01/10/2026 <br> Open-1008/Underwriting Summary Not Provided The Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/08/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 10.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854521_xxxxxx_854521_xxxxxx_Final_LDL_12-22-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854539 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854557 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 23:37 | 2026-02-26 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please RUSH - Fraud Report uploaded 2 times in portal and 5 times from Client LAS - xxxxxx. xxxxxx, - Buyer-02/24/2026 <br> Counter-Document Uploaded. Fraud report has uncleared High alerts - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Fraud Report attached. - Buyer-02/23/2026 <br> Counter-The Fraud report reflects uncleared High alerts - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-02/22/2026 <br> Open-Missing Third Party Fraud Report From File - Please Provide - Due Diligence Vendor-02/20/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/26/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854557_xxxxxx_OM3fad91a95f6343dfbc5bf24ce277bee4.pdf<br> xxxxxx_OM3fad91a95f6343dfbc5bf24ce277bee4 (1).pdf<br> Screenshot 2026-02-24 084933.jpg<br> xxxxxx_OM3fad91a95f6343dfbc5bf24ce277bee4 (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854557 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 09:38 | 2026-02-22 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Documents provided - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see all attached Entity Docs. - Due Diligence Vendor-02/22/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Title is vesting in LLC, requiring: Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN. These were missing from the upload package. Please provide - Due Diligence Vendor-02/20/2026 |  | Resolved-Entity Documents provided - Due Diligence Vendor-02/22/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review854557_xxxxxx_2_20_2026_30558_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854572 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854577 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854622 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854623 | xxxxxx | D A | Closed | xxxxxx | 2026-01-16 10:29 | 2026-01-29 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see business purpose cert - Due Diligence Vendor-01/28/2026 <br>Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-01/16/2026 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854623_xxxxxx_Business_Purpose.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854629 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854674 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854729 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854731 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854732 | xxxxxx | D A | Closed | xxxxxx | 2026-02-05 00:57 | 2026-02-07 09:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Assignment of Leases and Rents Rider provided - Due Diligence Vendor-02/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026 <br> Open-1-4 Family Rider is Missing . Deed of Trust and Riders were not provided at the time of review. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026 | Resolved-Assignment of Leases and Rents Rider provided - Due Diligence Vendor-02/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years |  | mortgage.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854732 | xxxxxx | D A | Closed | xxxxxx | 2026-02-05 00:11 | 2026-02-07 09:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026 <br> Open-The Deed of Trust is Missing . Provide completed Deed of Trust executed by all required parties for the subject property transaction located at xxxxxx. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/06/2026 | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.68 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years |  | mortgage.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854737 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 08:42 | 2026-01-04 09:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - please see attached - Due Diligence Vendor-01/02/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 not provided with document upload package. Please provide - Due Diligence Vendor-12/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | 854737_xxxxxx_CLA_-_CTC_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854737 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 08:42 | 2026-01-04 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 37.62 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - please see asset docs attached. - Due Diligence Vendor-01/02/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 No assets provided per 1003 and non on file per search of upload package. We have (162,967.96) shortage of funds to close and (20,380.92) shortage of reserves. Please provide appropriate documentation showing proof of these - Due Diligence Vendor-12/30/2025 |  | Resolved-Audited Reserves of 37.62 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | Full Review854737_xxxxxx_1_2_2026_10609_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854737 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 08:38 | 2026-01-04 09:51 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - please see attached - Due Diligence Vendor-01/02/2026 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $162964.96. No assets provided per 1003 and non on file per search of upload package. We have (162,967.96) shortage of funds to close and (20,380.92) shortage of reserves. Please provide appropriate documentation showing proof of these - Due Diligence Vendor-12/30/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | Full Review854737_xxxxxx_1_2_2026_10637_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854737 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 07:56 | 2026-01-04 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - Please see fraud report and ofac - Due Diligence Vendor-01/02/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/30/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | 854737_xxxxxx_Fraud-ReportX.pdf<br> 854737_xxxxxx_OFAC-clearance-for-xxxxxx.pdf<br> 854737_xxxxxx_SAM.Gov-for-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854737 | xxxxxx | D A | Closed | xxxxxx | 2025-12-30 08:52 | 2026-01-04 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. 1/2/26 - please see attached - Due Diligence Vendor-01/02/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-12/30/2025 |  | Resolved-Entity documents provided - Due Diligence Vendor-01/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | Full Review854737_xxxxxx_1_2_2026_103056_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854793 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 11:25 | 2025-12-29 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-OFAC search provided stating Your search has not returned any results. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Third Party Fraud Report Partially Provided Missing specific OFAC searches for xxxxxx sanctions list as seen on page 37 of lender guidelines dated 02/07/2025. Current matrix dated 04/21/2025 says citizens and individuals from OFAC sanctioned countries are not eligible but xxxxxx seems to have a slight loophole. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-OFAC search provided stating Your search has not returned any results. - Due Diligence Vendor-12/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | Sanctions List Search - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854794 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854800 | xxxxxx | B A | Closed | xxxxxx | 2026-02-06 07:36 | 2026-02-09 14:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached Client Approval. - Due Diligence Vendor-02/09/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.82% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 854800_xxxxxx_854800_Final_ldl-report_123202684920_084921.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854801 | xxxxxx | B A | Closed | xxxxxx | 2025-12-22 13:30 | 2025-12-23 07:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Please see the Client UW Loan Approval. xxxxxx! - Due Diligence Vendor-12/23/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/22/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.16 Years |  | Full Review854801_xxxxxx_12_22_2025_45914_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854877 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854881 | xxxxxx | B A | Closed | xxxxxx | 2026-01-10 04:27 | 2026-01-15 15:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - please see approval - Due Diligence Vendor-01/14/2026 <br> Open-1008/Underwriting Summary Not Provided Missing the Final 1008/Underwriting Transmittal Summary - Due Diligence Vendor-01/10/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 106.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review854881_xxxxxx_1_13_2026_30417_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854902 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 15:25 | 2026-02-18 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved- - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Re-Recorded correct complete DOT. - Due Diligence Vendor-02/13/2026 <br> Counter-Document Uploaded. Missing Corrected Security Instrument and riders executed by borrower, page 1 re-record declaration or cover sheet stating the reason for the re-record. Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached PPP. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-01/20/2026 |  | Resolved- - Due Diligence Vendor-02/18/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 33.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | 854902_xxxxxx_ppp.pdf<br> DOT.png<br> 854902_xxxxxx_DOT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855018 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855030 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855069 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855088 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855092 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 10:51 | 2025-12-29 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Overview Missing | Resolved-Signed BORROWER CERTIFICATION OF BUSINESS PURPOSE provided. <br> - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Fully executed Certification of Business Purpose document attached - Due Diligence Vendor-12/29/2025 <br> Open-Missing in the business overview documents is a fully executed business purpose affidavit. After internal review, lox on file that is not notarized and not the filled out business purpose affidavit will not be adequate to satisfy the requirement. Either provide an exception to continue with the lox on file or have client provide a fully executed copy of business purpose affidavit documentation - Due Diligence Vendor-12/23/2025 |  | Resolved-Signed BORROWER CERTIFICATION OF BUSINESS PURPOSE provided. <br> - Due Diligence Vendor-12/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 855092_xxxxxx_certification_of_business_purpose.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855106 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855122 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855154 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 16:03 | 2026-04-01 07:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosure. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please see attached CD. - Seller-03/31/2026 <br> Open-\*\*\*\*\*Documentation provided does not contain the Initial CD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/21/2026 | Ready for Review-Document Uploaded. Please see attached CD. - Seller-03/31/2026<br>| Resolved-\*\*Received missing disclosure. - Due Diligence Vendor-04/01/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.08% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | ClosingDisclosurePkg_xxxxxx__20260205_112628.pdf<br> ClosingDisclosurePkg_xxxxxx__20260226_155449.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855154 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 06:59 | 2026-03-27 13:28 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Oct, Noc & Dec 2025 Bank statements provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached statements. - Buyer-03/27/2026 <br> Counter-Missing Dec, Nov, Oct 2025 bank statements to correspond with lender income calculation worksheet. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 months Bank Statements. - Buyer-03/26/2026 <br> Counter-xxxxxx for the confusion, The Loan file is missing the 12 months of Bank statements used for Income qualifications. Please provide all 12 months - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Please see attached Bank Statement Summary. Please provide what month is missing. - Due Diligence Vendor-03/25/2026 <br> Open-Income 1 Months Income Verified is Missing As per Lock confirmation , Borrower is qualified on business bank statement income , However income documents to calculate the qualifying income is missing. - Due Diligence Vendor-03/21/2026 |  | Resolved-Oct, Noc & Dec 2025 Bank statements provided - Due Diligence Vendor-03/27/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.08% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | xxxxxx 12 months bank statement.pdf<br> Oct to Dec stmts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855154 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 06:59 | 2026-03-27 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Business Search / VOE. - Due Diligence Vendor-03/26/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Part VOE is missing - Due Diligence Vendor-03/21/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.08% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | 855154_xxxxxx_Corporation_Details.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855154 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 06:59 | 2026-03-27 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-03/25/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary please provide 12 month business bank statements used for approval. - Due Diligence Vendor-03/21/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.08% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | Full Review855154_8252098_xxxxxx_3_24_2026_43215_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855154 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-21 07:10 | 2026-03-26 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see attached VOM. - Due Diligence Vendor-03/25/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-03/21/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.08% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | 855154_xxxxxx_VOM_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855162 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 855163 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855172 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855182 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855222 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 09:22 | 2025-12-19 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception granted with compensating factorsAudited CLTV of 70% exceeds Guideline CLTV of 65% Loan Amt < 150K • Max LTV/CLTV: Purchase 70%, any Refinance 65% (Min DSCR 1.25) seeking 5% LTV exception - Due Diligence Vendor-12/19/2025 |  | Waived-Client Exception granted with compensating factorsAudited CLTV of 70% exceeds Guideline CLTV of 65% Loan Amt < 150K • Max LTV/CLTV: Purchase 70%, any Refinance 65% (Min DSCR 1.25) seeking 5% LTV exception - Due Diligence Vendor-12/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months reserves are greater than the guideline's minimum Months Reserves Of 37.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO score is greater than guideline's minimum Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrowers have been at current residence greater than 5 years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years | \* DSCR > 1.3<br> \* Credit Score 20 points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855222 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 09:22 | 2025-12-19 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 70% exceeds Guideline LTV of 65% Loan Amt < 150K • Max LTV/CLTV: Purchase 70%, any Refinance 65% (Min DSCR 1.25) seeking 5% LTV exception - Due Diligence Vendor-12/19/2025 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 70% exceeds Guideline LTV of 65% Loan Amt < 150K • Max LTV/CLTV: Purchase 70%, any Refinance 65% (Min DSCR 1.25) seeking 5% LTV exception - Due Diligence Vendor-12/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months reserves are greater than the guideline's minimum Months Reserves Of 37.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO score is greater than guideline's minimum Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrowers have been at current residence greater than 5 years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years | \* DSCR > 1.3<br> \* Credit Score 20 points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855222 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 09:22 | 2025-12-19 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client Exception granted with compensating factorsAudited HCLTV of 70% exceeds Guideline HCLTV of 65% Loan Amt < 150K • Max LTV/CLTV: Purchase 70%, any Refinance 65% (Min DSCR 1.25) seeking 5% LTV exception - Due Diligence Vendor-12/19/2025 |  | Waived-Client Exception granted with compensating factorsAudited HCLTV of 70% exceeds Guideline HCLTV of 65% Loan Amt < 150K • Max LTV/CLTV: Purchase 70%, any Refinance 65% (Min DSCR 1.25) seeking 5% LTV exception - Due Diligence Vendor-12/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months reserves are greater than the guideline's minimum Months Reserves Of 37.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO score is greater than guideline's minimum Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrowers have been at current residence greater than 5 years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years | \* DSCR > 1.3<br> \* Credit Score 20 points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855228 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855231 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855233 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-27 16:12 | 2026-01-27 16:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years | Reserves exceed requirement by 6 months or more<br> Credit Score 30+ points > minimum required<br> DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 855233 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-07 20:29 | 2026-01-26 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 5 Missing | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached Nov. and Dec. asset statements along with 1003 and 1008. Gift is no longer being used. Assets provided and 1003 / 1008 uploaded on 1/23 and not cleared. - Due Diligence Vendor-01/26/2026 <br>Counter-The wire provided is for $50,325.49 which is over the amount of the Gift letter - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see Gift Wire Receipt. - Due Diligence Vendor-01/13/2026 <br>Open-Asset 5 Missing No wire receipt or proof of deposit for 50k gift funds from spouse - please provide - Due Diligence Vendor-01/08/2026 |  | Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years |  | 855233_xxxxxx_gift_wire_receipt.pdf<br> Full Review855233_xxxxxx_1_23_2026_35718_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855239 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855245 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855253 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855271 | xxxxxx | C A | Closed | xxxxxx | 2026-01-30 11:00 | 2026-02-03 07:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see the attached used by the Client UW to satisfy this requirements. \*\*\*UW Comments: Per the VOR it shows 0x30 and verified the most recent 6 months of payment history from the bank account xxxxxx which verified the payments for June, July, August & September were paid in the full amount of $4100 or 2 separate withdraws of $3900 & $200For the October payment since the property had some work being done and the borrower was not living in the property the landlord no rent was due which the borrower paid $4100 on 10-3-2025 for the Nov paymentVerified the Dec payment was made on 12-10-2025 with check xxxxxx. - Due Diligence Vendor-02/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements . Provide Verification of Rent for borrower's primary living located at xxxxxx. As per guidelines, section 2.9.2, Housing history must be documented for the borrower's primary residence and the subject property, if a refinance transaction, for the most recent 12-months and section 2.6.5.2, A 12-month rental history is required for all Client programs when the borrower is renting their current primary residence. - Due Diligence Vendor-01/30/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.79% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review855271_xxxxxx_1_30_2026_31809_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855284 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855285 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855299 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855303 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 05:26 | 2026-02-09 13:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factorsAudited FICO of 674 is less than Guideline FICO of 680 DSCR less than 1% and FICO less than 680<br> Current primary home ownership > 5 years<br> Subject property home ownership > 2 years<br> Experienced investor owns and manages 2 or more properties for 12 months - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsAudited FICO of 674 is less than Guideline FICO of 680 DSCR less than 1% and FICO less than 680<br> Current primary home ownership > 5 years<br> Subject property home ownership > 2 years<br> Experienced investor owns and manages 2 or more properties for 12 months - Due Diligence Vendor-02/09/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 855309 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855314 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855325 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855339 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855466 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855476 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855482 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855595 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855610 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855640 | xxxxxx | B A | Closed | xxxxxx | 2026-01-10 23:25 | 2026-01-15 15:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-01/14/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/15/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855640_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855643 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855775 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-30 06:35 | 2026-01-12 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Business Loan Rider provided - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Business Loan Rider has been uploaded - Due Diligence Vendor-01/10/2026 <br>Open-Business Loan Rider is Missing from file - please provide, as per it's inclusion on the deed of trust - Due Diligence Vendor-12/30/2025 |  | Resolved-Business Loan Rider provided - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.01% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855775_xxxxxx_1008.pdf<br> 855775_xxxxxx_Business_Loan_Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855775 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-30 06:34 | 2026-01-08 12:10 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. please see 1008 - Due Diligence Vendor-01/07/2026 <br>Open-1008/Underwriting Summary Not Provided Final 1008 not uploaded to file, please provide - Due Diligence Vendor-12/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.01% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855775_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855777 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856102 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 16:10 | 2026-02-10 09:40 | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-02/10/2026 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-02/10/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx (include the additional 25% ordinace or law coverage) is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-02/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 100.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years Borrower At Current Residence For Five (5) Or More Years - 9.33 Years | Compensating Factor 1 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 2 - DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856130 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856144 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 12:09 | 2026-03-23 15:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Initial Disclosure Package | Resolved-\*Received - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. xxxxxx! - Due Diligence Vendor-03/19/2026 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-03/17/2026 |  | Resolved-\*Received - Due Diligence Vendor-03/23/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.51% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years |  | Full Review856144_xxxxxx_3_18_2026_10923_PM.zip<br> 856144_xxxxxx_intial_package.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856144 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 12:54 | 2026-03-23 15:27 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. xxxxxx! - Due Diligence Vendor-03/19/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-03/17/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/23/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.51% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years |  | Full Review856144_xxxxxx_3_18_2026_10902_PM.zip<br> Full Review856144_xxxxxx_3_18_2026_10902_PM.zip<br> 856144_xxxxxx_homeowership_dis.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856144 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 09:56 | 2026-03-19 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Please find the Income Worksheet uploaded. xxxxxx! - Due Diligence Vendor-03/18/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender income worksheet for bank statement income (12 mos) - Due Diligence Vendor-03/17/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/19/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.51% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.16 Years |  | 856144_xxxxxx_Income_Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856157 | xxxxxx | B A | Closed | xxxxxx | 2026-02-04 15:56 | 2026-02-04 15:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% DSCR less than 1.0 max LTV 75%; exception in file to go 80% pg 330. Rent schedule dated 12/16/2025 market rent at $2,600 - Due Diligence Vendor-02/04/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% DSCR less than 1.0 max LTV 75%; exception in file to go 80% pg 330. Rent schedule dated 12/16/2025 market rent at $2,600 - Due Diligence Vendor-02/04/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years Borrower At Current Residence For Five (5) Or More Years - 5.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856159 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856309 | xxxxxx | C A | Closed | xxxxxx | 2026-04-08 00:33 | 2026-04-10 14:19 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-SPL provided - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. See Disclosure - Due Diligence Vendor-04/09/2026 <br>Open-SSPL is missing.\*\*\*\*\*\*\*Please provide entire initial disclosure package for review - Due Diligence Vendor-04/08/2026 |  | Resolved-SPL provided - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 856309_xxxxxx_Affliated_Business_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856309 | xxxxxx | C A | Closed | xxxxxx | 2026-04-08 00:33 | 2026-04-10 14:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Expiring appraisal dated down with appraiser signature on xxxxxx - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*The following charges have been either added or increased: Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $165.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $165.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-Expiring appraisal dated down with appraiser signature on xxxxxx - Due Diligence Vendor-04/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856309 | xxxxxx | C A | Closed | xxxxxx | 2026-04-08 00:33 | 2026-04-10 14:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Expiring appraisal dated down with appraiser signature on xxxxxx - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*The following charges have been either added or increased: Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $165.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $165.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-Expiring appraisal dated down with appraiser signature on xxxxxx - Due Diligence Vendor-04/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856309 | xxxxxx | C A | Closed | xxxxxx | 2026-04-08 00:33 | 2026-04-10 14:18 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Expiring appraisal dated down with appraiser signature on xxxxxx - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*The following charges have been either added or increased: Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $165.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $165.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-Expiring appraisal dated down with appraiser signature on xxxxxx - Due Diligence Vendor-04/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856309 | xxxxxx | C A | Closed | xxxxxx | 2026-04-07 17:28 | 2026-04-10 09:08 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Attached is the tax search showing taxes as xxxxxx - Due Diligence Vendor-04/09/2026 <br> Open-Missing Property Tax Cert with the tax amount of xxxxxx. - Due Diligence Vendor-04/07/2026 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 856309_xxxxxx_Tax_Search.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856309 | xxxxxx | C A | Closed | xxxxxx | 2026-04-07 11:14 | 2026-04-10 09:08 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. See updated HOI - Due Diligence Vendor-04/09/2026 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx - Due Diligence Vendor-04/07/2026 |  | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 856309_xxxxxx_HOI_Good_thru_2027.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856315 | xxxxxx | D A | Closed | xxxxxx | 2026-01-10 01:31 | 2026-01-15 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-01/14/2026 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report is Missing - Due Diligence Vendor-01/10/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 36.73% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 16.17 Years |  | 856315_xxxxxx_Fraud_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856338 | xxxxxx | B A | Closed | xxxxxx | 2025-12-16 06:06 | 2025-12-16 06:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 250000 EXCEPTION FOR xxxxxx LOAN AMOUNT DOES NOT MEET THE MINIMUM REQUIREMENT OF $250,000 FOR xxxxxx PROPERTIES. - Due Diligence Vendor-12/16/2025 |  | Waived-Client Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 250000 EXCEPTION FOR xxxxxx LOAN AMOUNT DOES NOT MEET THE MINIMUM REQUIREMENT OF $250,000 FOR xxxxxx PROPERTIES. - Due Diligence Vendor-12/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.96% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. Low LTV of 43.957%<br> 2. DSCR of 1.58 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856338 | xxxxxx | B A | Closed | xxxxxx | 2025-12-16 06:06 | 2025-12-16 06:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factorsAudited FICO of 655 is less than Guideline FICO of 660 EXCEPTION FOR 655 FICO SCORE DOES NOT MEET THE MININUM REQUIREMENT OF 660 FOR REFI CASHOUT. - Due Diligence Vendor-12/16/2025 |  | Waived-Client Exception granted with compensating factorsAudited FICO of 655 is less than Guideline FICO of 660 EXCEPTION FOR 655 FICO SCORE DOES NOT MEET THE MININUM REQUIREMENT OF 660 FOR REFI CASHOUT. - Due Diligence Vendor-12/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.96% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.92 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. Low LTV of 43.957%<br> 2. DSCR of 1.58 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856341 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856367 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856372 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 12:52 | 2026-01-10 12:01 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-per Guidelines: An appraisal review product is required on every loan file unless a second appraisal is obtained. The following options are eligible review products: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. CU and LCA provided - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. 1/8/26 - please see appraisal attached. Appraisal documents can be found on pages: 431-473,552-564,602-634,48-54 of original credit package upload. - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/08/2026 |  | Resolved-per Guidelines: An appraisal review product is required on every loan file unless a second appraisal is obtained. The following options are eligible review products: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. CU and LCA provided - Due Diligence Vendor-01/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years |  | Full Review856372_xxxxxx_1_8_2026_120547_PM.zip<br> 856372_xxxxxx_856372_xxxxxx_CU_and_xxxxxx_LCA_reports.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856390 | xxxxxx | B A | Closed | xxxxxx | 2025-12-31 11:56 | 2026-01-05 14:04 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. See UW approval - Due Diligence Vendor-01/05/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/31/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 680 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | 856390_xxxxxx_CLA-CTC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856402 | xxxxxx | D A | Closed | xxxxxx | 2026-01-07 09:27 | 2026-01-10 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. 1/8/26 - Please see the attached purchase contract. - Due Diligence Vendor-01/10/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-01/07/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 166.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856402_xxxxxx-xxxxxx-xxxxxx SalesContract.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856410 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856415 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856508 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856509 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856515 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-28 09:34 | 2026-02-13 14:14 | Resolved | 1 - Information D A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved-Updated appraisal with images for Photos of xxxxxx and xxxxxx combination have been added to the report for documentation as required by xxxxxx State Law on new builds. xxxxxx backup. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Updated Appraisal for review - Due Diligence Vendor-02/13/2026 <br> Open-. Provide documentation to evidence xxxxxx and xxxxxx as required by xxxxxx State Law for subject new builds. xxxxxx are required in all xxxxxx. xxxxxx are required in xxxxxx one and two-family dwellings and town homes not more than xxxxxx. - Due Diligence Vendor-01/28/2026 |  | Resolved-Updated appraisal with images for Photos of xxxxxx and xxxxxx combination have been added to the report for documentation as required by xxxxxx State Law on new builds. xxxxxx backup. - Due Diligence Vendor-02/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 672 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 574.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 856515_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856515 | xxxxxx | D A C | Closed | xxxxxx | 2026-01-28 09:10 | 2026-02-04 13:17 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Signed xxxxxx Corporate Resolution GRANTING SIGNING AND AUTHORITY TO CONDUCT BUSINESS document provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/03/2026 <br> Open-Property Title Issue . Provide documentation to evidence authorization to sign on behalf of the selling party's name, as it appears on title, of xxxxxx. - Due Diligence Vendor-01/28/2026 |  | Resolved-Signed xxxxxx Corporate Resolution GRANTING SIGNING AND AUTHORITY TO CONDUCT BUSINESS document provided. - Due Diligence Vendor-02/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 672 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 574.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 856515_xxxxxx_-_Corp_Resolution.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856521 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856529 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-30 08:17 | 2026-01-10 11:41 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. CDA report - Due Diligence Vendor-01/10/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7) Provide an additional third-party review product that supports the appraised value. - Due Diligence Vendor-01/02/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-01/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856529_xxxxxx_CDA_Report_(xxxxxx_Non-QM)_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856529 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 17:13 | 2026-01-08 08:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. See business docs - Due Diligence Vendor-01/07/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide documentation of the EIN for xxxxxx. - Due Diligence Vendor-12/31/2025 |  | Resolved-Entity documents provided - Due Diligence Vendor-01/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 856529_xxxxxx_Business_Verification_xxxxxx.pdf<br> 856529_xxxxxx_Business_Verification_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856559 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 02:02 | 2026-01-14 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 72.18 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank account that was in addition to the xxxxxx of $170k, uploaded both accounts. - Due Diligence Vendor-01/13/2026 <br> Counter-Updated Bank statement provided now reflecting $205,732.00 in available funds however the cash to close per Final HUD is $197,766.68 - Guideline require 6 Months of reserves $14,839.32 - Still short reserves by -$6,874 - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. More current bank statement - Due Diligence Vendor-01/06/2026 <br> Counter-Assets were provided verifying $165,732.00 in available funds dated 12.09.2025 however cash to close per Final HUD is $197,766.68 - Guideline require 6 Months of reserves $14,839.32 / CTC is short by -$32,034.68 & Reserves are short by -$14,839.32 - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. See bank statements - Due Diligence Vendor-01/05/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 . No assets were provided at the time of review as required. - Due Diligence Vendor-12/31/2025 |  | Resolved-Audited Reserves of 72.18 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |  | 856559_xxxxxx_Bank_statement_xxxxxx-Nov 2025-EMD5K-.pdf<br> 856559_xxxxxx-12.05-12.10.25--cash-to-close-.pdf<br> 856559_xxxxxx-12.05-12.10.25--cash-to-close-_2.pdf<br> 856559_xxxxxx-11.01-11.30.25---$170,551.76--cash-to-close-reserves--_13ac46c1-.pdf<br> 856559_xxxxxx-12.05-12.10.25--cash-to-close-.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856559 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 01:34 | 2026-01-14 14:41 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. More current bank statement - Due Diligence Vendor-01/06/2026 <br> Counter-Assets were provided verifying $165,732.00 in available funds dated 12.09.2025 however cash to close per Final HUD is $197,766.68 - Guideline require 6 Months of reserves $14,839.32 / CTC is short by -$32,034.68 & Reserves are short by -$14,839.32 - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. See bank statements - Due Diligence Vendor-01/05/2026 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $202766.68. . No assets were provided at the time of review as required. - Due Diligence Vendor-12/31/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |  | 856559_xxxxxx_Bank_statement_xxxxxx-Nov 2025-EMD5K-.pdf<br> 856559_xxxxxx-12.05-12.10.25--cash-to-close-_2.pdf<br> 856559_xxxxxx-12.05-12.10.25--cash-to-close-.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856559 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 00:15 | 2026-01-05 14:09 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. See 1003 - Due Diligence Vendor-01/05/2026 <br>Open-The Final 1003 is Missing . At the time of review only the initial 1003 was provided. - Due Diligence Vendor-12/31/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/05/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |  | 856559_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856566 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 02:18 | 2026-01-14 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached HOA Cert. - Due Diligence Vendor-01/13/2026 <br> Counter-Per the appraisal states the xxxxxx has been completed since xxxxxx and the Condo questionnaire states 100% completed. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-This is a xxxxxx. Per Client guidelines section 2.10.6.3, The project developer may be in control of the condominium association provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame. - Due Diligence Vendor-12/22/2025 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-12/18/2025 |  | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 856566_xxxxxx_HOA_cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856566 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 02:18 | 2026-01-14 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. See attached questionnaire. - Due Diligence Vendor-12/22/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-12/18/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review856566_xxxxxx_12_19_2025_25820_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856570 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856571 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-19 04:26 | 2026-01-28 13:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-01/28/2026 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted - Due Diligence Vendor-01/28/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75%. DSCR is less than 1 and Max LTV allowed is 75%. At the time of the final approval, the DSCR shows that it was based on PITIA of $3,902.23 for 1.012. Loan closed with a PITIA of xxxxxx for 0.999. - Due Diligence Vendor-01/19/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.91 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more <br> Compensating Factor 3 - 0x30 for 24 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856572 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856576 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856578 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856579 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856595 | xxxxxx | B A | Closed | xxxxxx | 2026-03-31 09:04 | 2026-03-31 09:04 | Waived | 2 - Non-Material B | Credit | Liabilities | No evidence of required debt payoff | Waived-Client Exception granted with compensating factorsThe conditions are requesting a note from xxxxxx, first mortgage we are paying off. I provided the unexecuted copy. I was conditioned for the signed copy. Borrower does not have a signed copy and she requested it from xxxxxx 4 weeks ago. It never came. We provided the unexecuted one and a payment history. - Due Diligence Vendor-03/31/2026 |  | Waived-Client Exception granted with compensating factorsThe conditions are requesting a note from xxxxxx, first mortgage we are paying off. I provided the unexecuted copy. I was conditioned for the signed copy. Borrower does not have a signed copy and she requested it from xxxxxx 4 weeks ago. It never came. We provided the unexecuted one and a payment history. - Due Diligence Vendor-03/31/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.41 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.15 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.40 Years | - Self-employed for > 2 years<br> - Subject property home ownership > 10 years<br> - Total debt payment reduced more than $500 per month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856604 | xxxxxx | D A | Closed | xxxxxx | 2026-01-05 10:35 | 2026-01-10 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. Please see Guaranty, Assignment of Rents Rider and Loan agreement for your review. - Due Diligence Vendor-01/10/2026 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-01/05/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.14% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | 856604_xxxxxx_-_Personal_Guaranty.pdf<br> 856604_xxxxxx_Assignment_of_Rents_Rider.pdf<br> 856604_xxxxxx_Loan_Agreement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856625 | xxxxxx | B A | Closed | xxxxxx | 2026-01-06 08:09 | 2026-01-10 11:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. 1/9/26 - please see attached. Indexed as CLA CTC in original credit package submission - Due Diligence Vendor-01/10/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | 856625_xxxxxx_CLA_CTC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856637 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 11:49 | 2026-01-16 06:38 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Closing Package | The Note is Missing | Waived-Client Exception granted with compensating factorsThe request for an exception to Client's eligibility criteria is granted: The Note that does not reflect the member title, and showing their signor authorization for the Corporation. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Credit Score 30+ points > minimum required - Due Diligence Vendor-01/14/2026 <br> Open-Provide the executed Note that reflects the member title added, and showing their signor authorization for the Corporation. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsThe request for an exception to Client's eligibility criteria is granted: The Note that does not reflect the member title, and showing their signor authorization for the Corporation. - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.78% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 57.78% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 65.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 3 - Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 856641 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856702 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 10:03 | 2026-01-12 10:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsThe borrower is living rent free with his mother. Please find<br> Rent Free letter in the file. - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsThe borrower is living rent free with his mother. Please find<br> Rent Free letter in the file. - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DSCR > 1.15<br> Subject property home ownership > 2 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856705 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856714 | xxxxxx | B A | Closed | xxxxxx | 2026-02-11 06:09 | 2026-02-11 11:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Exception in file for subject rural exceeding 10 acres. pg327 - Due Diligence Vendor-02/11/2026 |  | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Exception in file for subject rural exceeding 10 acres. pg327 - Due Diligence Vendor-02/11/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low qualifying LTV - Qualifying LTV is 5% or more below the max allowed |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 856729 | xxxxxx | B A | Closed | xxxxxx | 2025-12-30 15:30 | 2026-01-02 07:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Please see attached Approval. - Due Diligence Vendor-01/02/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/30/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/02/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856729_xxxxxx_CLA-CTC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856743 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856786 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856787 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856824 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856827 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856867 | xxxxxx | B A | Closed | xxxxxx | 2026-01-21 09:21 | 2026-01-21 09:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements . Exception granted for, No primary housing, living rent-free. - Due Diligence Vendor-01/21/2026 |  | Waived-Client Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements . Exception granted for, No primary housing, living rent-free. - Due Diligence Vendor-01/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Credit Score 30+ points > minimum required. Experienced investor owns and manages 5 or more properties for 12 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856888 | xxxxxx | B A | Closed | xxxxxx | 2026-01-05 09:22 | 2026-01-14 08:38 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Missing final closing disclosure/settlement statement/equivalent | Resolved-Signed Warranty Deed provided notarized on xxxxxx and Final HUD/SS states closing date as xxxxxx funds being disbursed on xxxxxx - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. 1/13/26 - Lender response: The closing date is xxxxxx- seller signed grant deed (see uploaded), buyer signed closing documents xxxxxx.(see uploaded) - Buyer-01/14/2026 <br> Counter-\*\*Multiple documents in the original file indicate closing was on xxxxxx but the HUD - Settlement Statement indicates a xxxxxx closing date. Lender needs to confirm what is the correct closing date. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-1/9/26 - Seller response: There is no final closing disclosure this is not a trid loan. Please clarify. - Due Diligence Vendor-01/10/2026 <br> Open-Closing date reflects as xxxxxx as per HUD document settlement date is xxxxxx. - Due Diligence Vendor-01/05/2026 |  | Resolved-Signed Warranty Deed provided notarized on xxxxxx and Final HUD/SS states closing date as xxxxxx funds being disbursed on xxxxxx - Due Diligence Vendor-01/14/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx gRANT dEED.pdf<br> 25-0377 hud.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856888 | xxxxxx | B A | Closed | xxxxxx | 2026-01-05 14:03 | 2026-01-14 08:21 | Resolved | 1 - Information B A | Credit | Missing Doc | Application Missing | Resolved-Corrected 1003 provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. 1/13/26 - please see 1003 - Buyer-01/14/2026 <br>Open-Final application 1003 shows amortization type as fixed rate instead of ARM. - Due Diligence Vendor-01/05/2026 |  | Resolved-Corrected 1003 provided - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1003 (17).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856888 | xxxxxx | B A | Closed | xxxxxx | 2026-01-05 09:58 | 2026-01-06 15:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. 1/5/26 - please see attached CLA that was also originally submitted w/ package upload - Due Diligence Vendor-01/06/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/05/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 856888_xxxxxx_CLA-CTC_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856890 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856891 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856898 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856920 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856922 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856936 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856938 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 17:00 | 2026-05-04 17:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted with compensating factors to allow first time investor with DSCR under 1. - Due Diligence Vendor-05/04/2026 <br>Open-DSCR does not meet guideline minimum for first time investor. - Due Diligence Vendor-05/04/2026 |  | Waived-Client exception granted with compensating factors to allow first time investor with DSCR under 1. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856948 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-14 19:38 | 2026-05-14 19:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Waived-Client exception granted with compensating factors to allow cash out with a first time investor - Due Diligence Vendor-05/14/2026 <br>Open-Borrower is a first time investor and is ineligible for cash out per guidelines - Due Diligence Vendor-05/14/2026 |  | Waived-Client exception granted with compensating factors to allow cash out with a first time investor - Due Diligence Vendor-05/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.6% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856953 | xxxxxx | C A | Closed | xxxxxx | 2026-02-10 12:34 | 2026-02-12 09:50 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD<br> - Due Diligence Vendor-02/12/2026 <br> Resolved- - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026<br>| Resolved-Received PCCD<br> - Due Diligence Vendor-02/12/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 856959 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856968 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856979 | xxxxxx | D A | Closed | xxxxxx | 2026-01-28 11:13 | 2026-01-29 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-COG provided. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see attached Certificate of Good Standing. - Due Diligence Vendor-01/29/2026 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Business Entity EIN. - Due Diligence Vendor-01/28/2026 |  | Resolved-COG provided. - Due Diligence Vendor-01/29/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.09 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856979_xxxxxx_CERT_OF_GOOD_STANDING.pdf<br> 856979_xxxxxx_CERT_OF_GOOD_STANDING_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856986 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856994 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857177 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 07:21 | 2026-01-28 13:20 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived-Client Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 <br> Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 <br>Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2940.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by 142 points<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.14. | xxxxxx PP ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857177 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-13 16:49 | 2026-01-16 13:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-The Approved Exception form provided does not address that the Builder is in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2940.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.14. | EXCEPTION FORM.pdf<br>EXCEPTION FORM (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857177 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 07:19 | 2026-01-13 16:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Full Appraisal with rent schedule provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-its on page 8 - Seller-01/13/2026 <br> Open-Missing rent comparable schedule form 1007 For xxxxxx Unit xxxxxx - Due Diligence Vendor-01/09/2026 | Ready for Review-its on page 8 - Seller-01/13/2026<br>| Resolved-Full Appraisal with rent schedule provided - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2940.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857177 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 14:22 | 2026-01-13 16:49 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Appraisal is Missing : Provide 1073 appraisal to support the purchase price of xxxxxx at a minimum. Subject to review and possible additional conditions. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2940.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857177 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 07:23 | 2026-01-09 14:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2940.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by 142 points<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.14. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857181 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:30 | 2026-01-16 13:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2207.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.05. | EXCEPTION FORM.pdf<br> xxxxxx GUIDELINE EXCEPTION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857181 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 05:06 | 2026-01-14 08:30 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Appraisal is Missing Missing appraisal and rent comparable schedule - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2207.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857181 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 05:31 | 2026-01-09 05:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2207.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | · All consumer credit paid as agreed in the most recent 12 months. <br> · Borrower exceeds minimum credit score requirement by 142 points. <br> · Current LTV is 15% less than max allowed. <br> · DSCR ratio of 1.05. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857181 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 05:30 | 2026-01-09 05:30 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2207.88 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | · All consumer credit paid as agreed in the most recent 12 months. <br> · Borrower exceeds minimum credit score requirement by 142 points. <br> · Current LTV is 15% less than max allowed. <br> · DSCR ratio of 1.05. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857185 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-10 02:40 | 2026-01-28 13:33 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Appraisal is Missing appraisal 1073 w/ rent comparable schedule is missing - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2160.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf<br> xxxxxx PP ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857185 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:33 | 2026-01-16 13:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2160.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.00. | EXCEPTION FORM.pdf<br> xxxxxx EXCEPTION GUIDELINE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857185 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 06:34 | 2026-01-09 06:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2160.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.00 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857185 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 06:25 | 2026-01-09 06:25 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2160.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857186 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-14 08:44 | 2026-01-28 13:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 <br> Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Waived-Client Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 <br>Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/18/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2846.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.00.  | EXCEPTION FORM.pdf<br> xxxxxx GUIDELINE EXCEPTION.pdf<br> GUIDELINE EXCEPTION xxxxxx.pdf<br> xxxxxx PP ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857186 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 12:35 | 2026-01-14 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-rent Schedule Provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Page 14 - Seller-01/13/2026 <br> Open-For the Subject property xxxxxx UNIT xxxxxx <br> Missing rent Comparable schedule form 1007.<br> - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Page 14 - Seller-01/13/2026<br>| Resolved-rent Schedule Provided - Due Diligence Vendor-01/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2846.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857186 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-10 16:30 | 2026-01-14 08:44 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2846.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857186 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 13:33 | 2026-01-09 13:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. <br> - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. <br> - Due Diligence Vendor-01/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2846.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | \* All consumer credit paid as agreed in the most recent 12 months. <br> \* Borrower exceeds minimum credit score requirement by 142 points. <br> \* Current LTV is 15% less than max allowed. <br> \* DSCR ratio of 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857186 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-09 13:31 | 2026-01-09 13:31 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2846.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | \* All consumer credit paid as agreed in the most recent 12 months. <br> \* Borrower exceeds minimum credit score requirement by 142 points. <br> \* Current LTV is 15% less than max allowed. <br> \* DSCR ratio of 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857220 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-12 03:19 | 2026-03-28 18:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-03/28/2026 <br> Resolved- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD, LOE, Refund Check, and Shipping Label. - Due Diligence Vendor-03/26/2026 <br> Counter-Documentation provided is insufficient to substantiate a valid Change of Circumstance (COC) event regarding the increase of the appraisal charge from $550.00 to $575.00. A 0% tolerance cure of $25.00 is required. Please provide the PCCD, LOE, copy of the refund check, and proof of mailing - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Revised LE - Due Diligence Vendor-03/18/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $25.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $25.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved-\*\*\*Received cure package - Due Diligence Vendor-03/28/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review857220_xxxxxx_3_17_2026_41151_PM.zip<br> Full Review857220_xxxxxx_3_25_2026_61152_PM.zip<br> 857220_xxxxxx_PCCD_-_xxxxxx_Appraisal_Fee_Cure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857220 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-12 03:19 | 2026-03-28 18:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-03/28/2026 <br> Resolved- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD, LOE, Refund Check, and Shipping Label. - Due Diligence Vendor-03/26/2026 <br> Counter-Documentation provided is insufficient to substantiate a valid Change of Circumstance (COC) event regarding the increase of the appraisal charge from $550.00 to $575.00. A 0% tolerance cure of $25.00 is required. Please provide the PCCD, LOE, copy of the refund check, and proof of mailing - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. See LE - Due Diligence Vendor-03/18/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $25.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved-\*\*\*Received cure package - Due Diligence Vendor-03/28/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review857220_xxxxxx_3_17_2026_42000_PM.zip<br> Full Review857220_xxxxxx_3_25_2026_61304_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857220 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-12 03:19 | 2026-03-28 18:35 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-03/28/2026 <br> Resolved- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD, LOE, Refund Check, and Shipping Label. - Due Diligence Vendor-03/26/2026 <br> Counter-Documentation provided is insufficient to substantiate a valid Change of Circumstance (COC) event regarding the increase of the appraisal charge from $550.00 to $575.00. A 0% tolerance cure of $25.00 is required. Please provide the PCCD, LOE, copy of the refund check, and proof of mailing - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. See LE - Due Diligence Vendor-03/18/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $25.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved-\*\*\*Received cure package - Due Diligence Vendor-03/28/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review857220_xxxxxx_3_17_2026_41901_PM.zip<br> Full Review857220_xxxxxx_3_25_2026_61105_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857220 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-12 03:19 | 2026-03-18 09:03 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. See LE - Due Diligence Vendor-03/18/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $25.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved- - Due Diligence Vendor-03/18/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Locked LE provided. xxxxxx | Full Review857220_xxxxxx_3_17_2026_41747_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857220 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-17 13:51 | 2026-03-18 07:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Ownership seasoning does not meet minimum requirement for full valuation - Due Diligence Vendor-03/18/2026 <br>Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-03/18/2026 <br>Open-Ownership seasoning does not meet minimum requirement for full valuation - Due Diligence Vendor-03/17/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Ownership seasoning does not meet minimum requirement for full valuation - Due Diligence Vendor-03/18/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.16 Years Borrower At Current Residence For Five (5) Or More Years - 13.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 45.68 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 3 - Total debt payment reduced more than $1,000 per month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 857312 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857328 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857339 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857342 | xxxxxx | B A | Closed | xxxxxx | 2026-02-05 06:30 | 2026-02-07 09:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/07/2026 <br>Ready for Review-Document Uploaded. Loan approval - Due Diligence Vendor-02/07/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/05/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 857342_xxxxxx_Loan#857342_LDL-Report_1-27-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857375 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857376 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 10:03 | 2026-05-04 18:59 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Desk review is within 10% of the purchase price of xxxxxx (-8.95%) and the LTV is based on the sales price. Desk review provided prior to closing - Due Diligence Vendor-05/04/2026 <br> Open-Provided desk review is less than 10% below the appraised value. (-11.7%) - Due Diligence Vendor-05/04/2026 |  | Waived-Desk review is within 10% of the purchase price of xxxxxx (-8.95%) and the LTV is based on the sales price. Desk review provided prior to closing - Due Diligence Vendor-05/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | • Reserves exceed minimum required of 2 months, borrower has 355.75 months available in reserves<br> • Borrower is using Business funds which he has 100% ownership<br> • Borrower is purchasing xxxxxx units in the same newly constructed building<br> • DSCR ratios at 2.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-04 13:34 | 2026-05-04 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-05/04/2026 <br>Open-Condo project does not meet guidelines. EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-05/04/2026 |  | Waived-EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-05/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | • Reserves exceed minimum required of 2 months, borrower has 355.75 months available in reserves<br> • Borrower is using Business funds which he has 100% ownership<br> • Borrower is purchasing xxxxxx units in the same newly constructed building<br> • DSCR ratios at 2.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 13:46 | 2026-01-23 12:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Asset 2 Does Not Meet Guideline Requirements PROVIDE LETTER FROM THE CPA/ ACCOUNTANT TO VERIFY THAT USE OF BUSINESS FUNDS FROM BUSINESS ACCOUNT xxxxxx AND xxxxxx DOES NOT HAVE ANY ADVERSE EFFECT ON BUSINESS. LETTER FROM THE BORROWER(S) CPA/ ACCOUNTANT MUST INCLUDE THE FOLLOWING STATEMENTS OR COMMENTS: 1. THE BORROWERS PERCENTAGE OF OWNERSHIP OF THE BUSINESS. 2. THE BORROWER HAS ACCESS TO THE FUNDS. <br> 3. THE FUNDS ARE NOT A LOAN. 4. THE ACCOUNTANT MAY NOT BE RELATED TO THE BORROWER OR BEAN INTERESTED PARTY TO THE TRANSACTION. NOTE BORROWER MUST HAVE A MINIMUM OF 51% COMBINED OWNERSHIP OF THE BUSINESS TO USE THE BUSINESS FUNDS \*\*\*FULLY EXECUTED LETTER MUST BE PREPARED ON PROPER LETTERHEAD INCLUDING EA/ CPA'S ADDRESS, PHONE NUMBER AND LICENSE NUMBER.<br> - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | CPA Letter - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 13:46 | 2026-01-23 12:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. – Attached is the CPA letter for xxxxxx xxxxxx. Account xxxxxx and xxxxxx were not used for asset requirements. Assets from xxxxxx xxxxxx are enough to cover funds to close and reserves.<br>- Seller-01/22/2026 <br> Open-Asset 3 Does Not Meet Guideline Requirements PROVIDE LETTER FROM THE CPA/ ACCOUNTANT TO VERIFY THAT USE OF BUSINESS FUNDS FROM BUSINESS ACCOUNT xxxxxx AND xxxxxx DOES NOT HAVE ANY ADVERSE EFFECT ON BUSINESS. LETTER FROM THE BORROWER(S) CPA/ ACCOUNTANT MUST INCLUDE THE FOLLOWING STATEMENTS OR COMMENTS: 1. THE BORROWERS PERCENTAGE OF OWNERSHIP OF THE BUSINESS. 2. THE BORROWER HAS ACCESS TO THE FUNDS. <br> 3. THE FUNDS ARE NOT A LOAN. 4. THE ACCOUNTANT MAY NOT BE RELATED TO THE BORROWER OR BEAN INTERESTED PARTY TO THE TRANSACTION. NOTE BORROWER MUST HAVE A MINIMUM OF 51% COMBINED OWNERSHIP OF THE BUSINESS TO USE THE BUSINESS FUNDS \*\*\*FULLY EXECUTED LETTER MUST BE PREPARED ON PROPER LETTERHEAD INCLUDING EA/ CPA'S ADDRESS, PHONE NUMBER AND LICENSE NUMBER.<br> - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. – Attached is the CPA letter for xxxxxx xxxxxx. Account xxxxxx and xxxxxx were not used for asset requirements. Assets from xxxxxx xxxxxx are enough to cover funds to close and reserves.<br>- Seller-01/22/2026 | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-01/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | CPA Letter - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 09:59 | 2026-01-23 12:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with supporting comp factors: Exception required on <500 sqft GLA. Subject GLA is xxxxxx sqft - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Per xxxxxx Guidelines: Min 500 Sq. Feet for Condominium. Appraisal stated Subject is xxxxxx sq ft - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Waived-Exception granted with supporting comp factors: Exception required on <500 sqft GLA. Subject GLA is xxxxxx sqft - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | 2.15 DSCR<br> >6 months reserves<br> C1 property condition | Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 03:18 | 2026-01-16 10:07 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | FINAL - 1008.pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 09:57 | 2026-01-16 10:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Open-xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/16/2026 |  | Waived-Exception granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | • Reserves exceed minimum required of 2 months, borrower has 355.75 months available in reserves<br> • Borrower is using Business funds which he has 100% ownership<br> • Borrower is purchasing xxxxxx units in the same newly constructed building<br> • DSCR ratios at 2.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 10:02 | 2026-01-16 10:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Total credit exposure to subject project exceeds guideline maximum | Waived-Exception granted with supporting comp factors: EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/16/2026 <br>Open-EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/16/2026 |  | Waived-Exception granted with supporting comp factors: EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | • Reserves exceed minimum required of 2 months, borrower has 355.75 months available in reserves<br> • Borrower is using Business funds which he has 100% ownership<br> • Borrower is purchasing xxxxxx units in the same newly constructed building<br> • DSCR ratios at 2.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857391 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 02:49 | 2026-01-16 09:57 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Appraisal is Missing Appraisal 1073 with 1007 is missing - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 868.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.18% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857393 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 05:01 | 2026-01-28 12:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 314.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | FINAL - 1008.pdf<br> xxxxxx PP ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857393 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-13 16:35 | 2026-01-18 08:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/18/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 314.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Reserves exceed minimum required of 2 months, borrower has 355.75 months available in reserves<br> Borrower is using Business funds which he has 100% ownership<br> Borrower is purchasing xxxxxx units in the same newly constructed building<br> DSCR ratios at 1.34 | EXCEPTION FORM (1).pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857393 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 04:37 | 2026-01-13 16:35 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 314.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857393 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 05:05 | 2026-01-12 05:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 314.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857393 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 05:04 | 2026-01-12 05:04 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 314.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857396 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-04 13:42 | 2026-05-04 13:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-05/04/2026 <br>Open-Condo project does not meet guidelines. EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-05/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 414.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857396 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:45 | 2026-01-28 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 414.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | ADV-120 REPORT - xxxxxx.pdf<br> xxxxxx PP ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857396 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 03:39 | 2026-01-16 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 414.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 40 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.30 | EXCEPTION FORM.pdf<br> EXCEPTION FORM (1).pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857396 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-12 04:07 | 2026-01-12 04:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 414.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857397 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 13:47 | 2026-05-04 13:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsException granted to allow GBL exposure that exceeds maximum of $5mm - Due Diligence Vendor-05/04/2026 <br> Open-GBL exposure to xxxxxx project exceeds guideline maximum of $5mm - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsException granted to allow GBL exposure that exceeds maximum of $5mm - Due Diligence Vendor-05/04/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Reserves exceed minimum required of 2 months. Borrower has 355.75 months available in reserves. <br> • Borrower is using Business funds which he has 100% ownership <br> • Borrower is purchasing xxxxxx Units in the same newly constructed building <br> • DSCR ratios at 1.29% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857397 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 05:02 | 2026-01-16 13:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 40 points.<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.17 | EXCEPTION FORM.pdf<br> EXCEPTION FORM (1).pdf<br> Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857397 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 05:20 | 2026-01-13 16:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/13/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | FINAL - 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857397 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 05:22 | 2026-01-12 05:22 | Waived | 2 - Non-Material B | Credit | Title | Potential Ownership issues identified in file | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS A 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/12/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Reserves exceed minimum required of 2 months. Borrower has 355.75 months available in reserves. <br> • Borrower is using Business funds which he has 100% ownership <br> • Borrower is purchasing xxxxxx Units in the same newly constructed building <br> • DSCR ratios at 1.29% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857420 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 12:55 | 2026-02-20 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-02/19/2026 <br>Open-Missing Third Party Fraud Report . Provide a complete Fraud Report and OFAC search as required per guidelines section 2.6.3.1. - Due Diligence Vendor-02/11/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 113.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 857420_xxxxxx_-_Fraud_Audit_Services.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857426 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 06:27 | 2026-02-09 13:35 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Resolved-Borrower 2 Credit Report is not partially present. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-Borrower 2 Credit Report is Partially Present. Provide unforzen report for B2. Only xxxxxx pulled. Provide a new tri-merged report to reflect current and updated information from all repositories. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Borrower 2 Credit Report is not partially present. - Due Diligence Vendor-02/09/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Revised 1008 and 1003 - B2 updated credit.pdf<br> Credit Report B2 - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857426 | xxxxxx | D A | Closed | xxxxxx | 2026-01-15 06:36 | 2026-01-22 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-xxxxxx provided. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. The property is a short term rental. We have to obtain a xxxxxx over view report and a rentalizer report. Both are attached. The calculation used is based on the rentalizer figure $34,900 @ 80% = $27,920 / 12 = $2,326.66 or $2,326. - Seller-01/21/2026 <br>Open-Provide 1007 showing gross rents to be used of $2,500. 1007 in file states $1,500. max with grossing up to 120% per guidelines is $1,800 a month. DSCR calculator pg 316 shows 1007 amount used is $2,326 however no documentation in file supports either figure. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. The property is a short term rental. We have to obtain a xxxxxx over view report and a rentalizer report. Both are attached. The calculation used is based on the rentalizer figure $34,900 @ 80% = $27,920 / 12 = $2,326.66 or $2,326. - Seller-01/21/2026 | Resolved-xxxxxx provided. - Due Diligence Vendor-01/22/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | rentalizer-report-- 4845.pdf<br> xxxxxx-overview - 4845.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857437 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 04:46 | 2026-02-15 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Document Uploaded. See attached Gap Report. - Due Diligence Vendor-02/15/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Guideline section 2.6.2 requires GAP report no more than 30-days to loan closing. Note = xxxxxx, CBR = 11/25/25. Supplement dated xxxxxx only updates the 3 outstanding mortgage accounts. - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 21.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.51 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.47 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.47 Years |  | 857437_xxxxxx_gap_cred_rpt.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857437 | xxxxxx | D A | Closed | xxxxxx | 2026-02-12 04:46 | 2026-02-15 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Document Uploaded. See attached Gap Report. - Due Diligence Vendor-02/15/2026 <br> Open-Borrower 2 Gap Credit Report is Missing. Guideline section 2.6.2 requires GAP report no more than 30-days to loan closing. Note = xxxxxx, CBR = 11/25/25. Supplement dated xxxxxx only updates the 3 outstanding mortgage accounts. - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 21.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.51 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.47 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.47 Years |  | 857437_xxxxxx_gap_cred_rpt.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857441 | xxxxxx | D A | Closed | xxxxxx | 2026-01-23 17:53 | 2026-02-12 11:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Due Diligence Vendor-02/11/2026 <br>Counter-Document Uploaded. Per Guidelines: if both scores (CU & LCA) provided, both required to be 2.5 or less. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. CU & LCA was provided - LCA is No score and not eligible. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached Seller Reconsideration. - Due Diligence Vendor-01/27/2026 <br>Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/23/2026 |  | Resolved-Desk review provided. - Due Diligence Vendor-02/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - months reserves are greater than guideline min Months Reserves Of 32.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - borrower at current residence 5 or more years Borrower At Current Residence For Five (5) Or More Years - 20.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is greater than guideline min Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 857441_xxxxxx_Appraisal_Report_xxxxxx.pdf<br> GL.png<br> 857441_xxxxxx_RDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857441 | xxxxxx | D A | Closed | xxxxxx | 2026-01-23 13:39 | 2026-01-27 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Articles. - Due Diligence Vendor-01/27/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN We are missing the Articles of formation/equivalent and/or evidence of EIN for "xxxxxx" - Due Diligence Vendor-01/23/2026 |  | Resolved-Entity documents provided. - Due Diligence Vendor-01/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - months reserves are greater than guideline min Months Reserves Of 32.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - borrower at current residence 5 or more years Borrower At Current Residence For Five (5) Or More Years - 20.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is greater than guideline min Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 857441_xxxxxx_UW_Miscellaneous_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857479 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857480 | xxxxxx | B A | Closed | xxxxxx | 2025-12-31 03:46 | 2026-01-02 11:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION REQUIRED FOR THE PROPERTY IS IN RURAL ZONE. AS PER GUIDELINES, RURAL ZONE PROPERTY IS INELIGIBLE. - Due Diligence Vendor-12/31/2025 |  | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION REQUIRED FOR THE PROPERTY IS IN RURAL ZONE. AS PER GUIDELINES, RURAL ZONE PROPERTY IS INELIGIBLE. - Due Diligence Vendor-12/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR OF 1.0. <br> Post closing reserves of 20.95 months <br> FICO of 750 is 90 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857480 | xxxxxx | B A | Closed | xxxxxx | 2025-12-31 04:15 | 2026-01-02 11:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 70% exceeds Guideline LTV of 55% EXCEPTION TO ALLOW LTV OF 70%, AS PER GUIDELINES MAXIMUM LTV ALLOWED IS 55% FOR FTHB OR BORROWER DOES NOT HAVE A PRIMARY RESIDENCE. - Due Diligence Vendor-12/31/2025 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 70% exceeds Guideline LTV of 55% EXCEPTION TO ALLOW LTV OF 70%, AS PER GUIDELINES MAXIMUM LTV ALLOWED IS 55% FOR FTHB OR BORROWER DOES NOT HAVE A PRIMARY RESIDENCE. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR OF 1.0. <br> Post closing reserves of 20.95 months <br> FICO of 750 is 90 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857482 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857483 | xxxxxx | B A | Closed | xxxxxx | 2026-01-11 02:23 | 2026-01-12 11:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program . EXCEPTION REQUIRED FOR THE PROPERTY IS IN RURAL ZONE. AS PER GUIDELINES, RURAL ZONE PROPERTY IS INELIGIBLE. - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program . EXCEPTION REQUIRED FOR THE PROPERTY IS IN RURAL ZONE. AS PER GUIDELINES, RURAL ZONE PROPERTY IS INELIGIBLE. - Due Diligence Vendor-01/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857483 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 11:01 | 2026-01-12 11:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 70% exceeds Guideline LTV of 55% . EXCEPTION TO ALLOW LTV OF 70%, AS PER GUIDELINES MAXIMUM LTV ALLOWED IS 55% FOR FTHB OR BORROWER DOES NOT HAVE A PRIMARY RESIDENCE - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 70% exceeds Guideline LTV of 55% . EXCEPTION TO ALLOW LTV OF 70%, AS PER GUIDELINES MAXIMUM LTV ALLOWED IS 55% FOR FTHB OR BORROWER DOES NOT HAVE A PRIMARY RESIDENCE - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR OF 0.97. <br> Post closing reserves of 11.87 months <br> FICO of 750 is 90 points higher than minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857484 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 12:26 | 2026-01-23 18:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client Exception granted with compensating factorsAudited HCLTV of 73.05% exceeds Guideline HCLTV of 65% UNLEASED PROPERTIES (REFI) - MAX LTV 65% LTV CURRENTLY 73.047 - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsAudited HCLTV of 73.05% exceeds Guideline HCLTV of 65% UNLEASED PROPERTIES (REFI) - MAX LTV 65% LTV CURRENTLY 73.047 - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 289.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | - DSCR 1.11, <br> - LOW CONSUMER DEBT, <br> - HIGH FICO, <br> - NEW PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857484 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 12:05 | 2026-01-12 12:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Client Exception granted with compensating factorsNumber of Mortgaged Properties is 14. EXCEPTION FOR MORE THAN 10 FINANCED PROPERTIES WITH xxxxxx - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsNumber of Mortgaged Properties is 14. EXCEPTION FOR MORE THAN 10 FINANCED PROPERTIES WITH xxxxxx - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 289.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | - DSCR 1.11, <br> - LOW CONSUMER DEBT, <br> - HIGH FICO, <br> - NEW PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857484 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 12:29 | 2026-01-12 12:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Client Exception granted with compensating factorsPROPERTY LISTING WAS TERMINATED ON xxxxxx. LISTING SEASONING REQUIREMENT OF 6 MONTHS NOT MET - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsPROPERTY LISTING WAS TERMINATED ON xxxxxx. LISTING SEASONING REQUIREMENT OF 6 MONTHS NOT MET - Due Diligence Vendor-01/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 289.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | - DSCR 1.11, <br> - LOW CONSUMER DEBT, <br> - HIGH FICO, <br> - NEW PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857484 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 12:26 | 2026-01-12 12:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception granted with compensating factorsAudited CLTV of 73.05% exceeds Guideline CLTV of 65% UNLEASED PROPERTIES (REFI) - MAX LTV 65% LTV CURRENTLY 73.047 - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsAudited CLTV of 73.05% exceeds Guideline CLTV of 65% UNLEASED PROPERTIES (REFI) - MAX LTV 65% LTV CURRENTLY 73.047 - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 289.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | - DSCR 1.11, <br> - LOW CONSUMER DEBT, <br> - HIGH FICO, <br> - NEW PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857484 | xxxxxx | B A | Closed | xxxxxx | 2026-01-12 12:26 | 2026-01-12 12:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 73.05% exceeds Guideline LTV of 65% UNLEASED PROPERTIES (REFI) - MAX LTV 65% LTV CURRENTLY 73.047 - Due Diligence Vendor-01/12/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 73.05% exceeds Guideline LTV of 65% UNLEASED PROPERTIES (REFI) - MAX LTV 65% LTV CURRENTLY 73.047 - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 289.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | - DSCR 1.11, <br> - LOW CONSUMER DEBT, <br> - HIGH FICO, <br> - NEW PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857485 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-02 09:07 | 2026-01-05 15:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION FOR OWNING MORE THAN 10 PROPERTIES FINANCED WITH xxxxxx. PER GUIDELINE, MAXIMUM ALLOWED IS 10 PROPERTIES<br> - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Missing lender exception for owning more than 10 properties with xxxxxx. (page 6 of xxxxxx guidelines caps at 10) Borrower has 13 according to 1003. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION FOR OWNING MORE THAN 10 PROPERTIES FINANCED WITH xxxxxx. PER GUIDELINE, MAXIMUM ALLOWED IS 10 PROPERTIES<br> - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR 1.10 <br> FICO SCORE IS 756 <br> POST CLOSING RESERVE IS 219.95 MONTHS, PROGRAM REQUIRES 2 months | xxxxxx Exception Form- xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857485 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-31 05:21 | 2026-01-05 15:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED OF $150,000 - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED OF $150,000 - Due Diligence Vendor-01/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR 1.10 <br> FICO SCORE IS 756 <br> POST CLOSING RESERVE IS 219.95 MONTHS, PROGRAM REQUIRES 2 months | xxxxxx Exception Form- xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857485 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-02 09:05 | 2026-01-02 09:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting and/or seasoning does not meet minimum requirement for use of appraised value. | Waived-Client Exception granted with compensating factorsLender exception to use appraised value for LTV calculation. Property acquired xxxxxx < 12 months lesser of purchase price or appraisal. - Due Diligence Vendor-01/02/2026 |  | Waived-Client Exception granted with compensating factorsLender exception to use appraised value for LTV calculation. Property acquired xxxxxx < 12 months lesser of purchase price or appraisal. - Due Diligence Vendor-01/02/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR 1.10<br> FICO 756<br> Post closing reserve > 200 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857485 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-31 05:21 | 2026-01-02 08:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 65% exceeds Guideline LTV of 60% 65% LTV EXCEEDS THE MAX ALLOWED OF 60% FOR LIVING RENT FREE/NO PRIMARY RESIDENCE<br> - Due Diligence Vendor-12/31/2025 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 65% exceeds Guideline LTV of 60% 65% LTV EXCEEDS THE MAX ALLOWED OF 60% FOR LIVING RENT FREE/NO PRIMARY RESIDENCE<br> - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR 1.10<br> FICO SCORE IS 756 <br> POST CLOSING RESERVE IS 219.95 MONTHS, PROGRAM REQUIRES 2 MONTHS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857485 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-31 05:00 | 2026-01-02 08:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY LOCATED IN RURAL AREA. NO INDICATION OF INCOME GENERATING ACTIVITY IN THE SUBJECT PROPERTY - Due Diligence Vendor-12/31/2025 |  | Waived-Client Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY LOCATED IN RURAL AREA. NO INDICATION OF INCOME GENERATING ACTIVITY IN THE SUBJECT PROPERTY - Due Diligence Vendor-12/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 219.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR 1.10 2. FICO SCORE IS 756 3. POST CLOSING RESERVE IS 219.95 MONTHS, PROGRAM REQUIRES 2 MONTHS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 857553 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857556 | xxxxxx | B A | Closed | xxxxxx | 2026-02-11 15:41 | 2026-02-14 09:06 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/13/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/11/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 620.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 857556_xxxxxx_857556_xxxxxx_FINAL_Notice_of_Loan_Approval_1-29-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857579 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857593 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 857651 | xxxxxx | B A | Closed | xxxxxx | 2026-03-26 04:57 | 2026-03-31 11:04 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-03/30/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/26/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/31/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.56 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | 1008/Underwriting Summary Not Provided | 857651_xxxxxx_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857704 | xxxxxx | D A | Closed | xxxxxx | 2026-01-27 16:51 | 2026-02-02 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. See wire for gift funds. - Buyer-01/30/2026 <br>Ready for Review-Document Uploaded. See wire for gift funds. - Due Diligence Vendor-01/30/2026 <br>Open-Missing proof of gift funds deposit receipt showing in final CD and final 1003. - Due Diligence Vendor-01/27/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-02/02/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 857704_xxxxxx_CONDITION_xxxxxx_GIFT_FUNDS_TRANSFER.pdf<br> CONDITION xxxxxx GIFT FUNDS TRANSFER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857711 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 14:02 | 2026-05-04 14:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsException granted to allow first time investor on a xxxxxx unit property - Due Diligence Vendor-05/04/2026 <br> Open-Borrower is a first time investor; guideline does not allow first time investor on a xxxxxx unit property. - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsException granted to allow first time investor on a xxxxxx unit property - Due Diligence Vendor-05/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | 754 fico,<br> 70% LTV, 21 mos in reserves. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857720 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857722 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 13:57 | 2026-05-04 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factorsException granted to allow investor concentration of 77% - Due Diligence Vendor-05/04/2026 <br> Open-Condo project does not meet guidelines. subject xxxxxx with an investment concentration of 77% exceeds guidelines maximum investor concentration of 60% per section 2.10.6 Condominium Project guidelines. - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsException granted to allow investor concentration of 77% - Due Diligence Vendor-05/04/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.26% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 62.26% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 106.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV 5% or more below maximum allowed.<br> Credit score 30+ points > minimum required.<br> Reserves exceed requirement by 10 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857722 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-11 08:25 | 2026-02-13 14:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. See UW approval - Due Diligence Vendor-02/13/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/11/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.75 Years Borrower At Current Residence For Five (5) Or More Years - 6.75 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.26% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 62.26% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 106.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 857722_xxxxxx_Loan#857722_Updated_FINAL_Notice_of_Loan_Approval_2-4-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857729 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-03 14:01 | 2026-02-06 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. xxxxxx Fraud Reports for all parties involved in teh transaction submitted with loan underwrite. They have been uploaded again. We ask that this condition be satisfied - Due Diligence Vendor-02/06/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/03/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 12.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review857729_xxxxxx_2_5_2026_45426_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857729 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-04 12:59 | 2026-02-04 12:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsSatisfied 1/12/2026 2:16 PM Housing History Bwr currently living rent free and does not own a primary.<br> - Due Diligence Vendor-02/04/2026 |  | Waived-Client Exception granted with compensating factorsSatisfied 1/12/2026 2:16 PM Housing History Bwr currently living rent free and does not own a primary.<br> - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 12.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | HousiHisto313382-1 DSCR DSCR > 1.3<br> HousiHisto313382-2 DSCR DSCR > 1.3<br> HousiHisto313382-3 Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857731 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857735 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857754 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 15:44 | 2026-01-26 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. 1/23/26 - please see docs attached to other Insurance condition. - Due Diligence Vendor-01/26/2026 <br>Open-HO-6 Master Insurance Policy Partially Provided Missing Master Hazard Insurance Policy, Liability is in file but missing project hazard coverage. - Due Diligence Vendor-01/20/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/26/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.67% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 132.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review857754_xxxxxx_1_23_2026_70009_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857754 | xxxxxx | D A | Closed | xxxxxx | 2026-01-20 15:44 | 2026-01-26 13:59 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. 1/23/26 - please see docs attached to other Insurance condition. - Due Diligence Vendor-01/26/2026 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Missing property master hazard insurance - Due Diligence Vendor-01/20/2026 |  | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-01/26/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.67% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 132.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review857754_xxxxxx_1_23_2026_70009_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857754 | xxxxxx | D A | Closed | xxxxxx | 2026-01-19 06:41 | 2026-01-22 08:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. 1/20/26 - please see attached. This was included in initial submission and indexed as CLA. - Due Diligence Vendor-01/21/2026 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-01/19/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/22/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.67% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 132.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 857754_xxxxxx_CLA_(7).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857772 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857814 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857891 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857895 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857911 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857936 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 23:19 | 2026-04-02 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. See attached gap report dated 3/15/2026 - Due Diligence Vendor-04/01/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide a Gap Credit Report or Undisclosed Debt Monitoring (UDM) report for both B1 & B2 dated no more than 30 days prior to closing or obtained after closing (Note Date: xxxxxx). - Due Diligence Vendor-03/28/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/02/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | 857972_xxxxxx_Gap_Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 15:02 | 2026-04-02 10:38 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/02/2026 <br>Ready for Review-\*\*Received disclosure - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. See attached disclosure - Due Diligence Vendor-04/01/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/02/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | 857972_xxxxxx_Homeownership_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 15:06 | 2026-04-02 10:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received Revised LE and COC - Due Diligence Vendor-04/02/2026 <br> Resolved- - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. See attached LE and COC - Due Diligence Vendor-04/01/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $375.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The revised LE Disclosure(s) with associated Changed Circumstance Detail form(s)dated xxxxxx, as identified in the Disclosure Tracking History or other documentation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide all missing TRID disclosures and proof of delivery to borrower. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-\*\*\*Received Revised LE and COC - Due Diligence Vendor-04/02/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review857972_xxxxxx_4_1_2026_111418_AM.zip<br> 857972_xxxxxx_LE_2.pdf<br> 857972_xxxxxx_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 15:06 | 2026-04-02 10:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received Revised LE and COC - Due Diligence Vendor-04/02/2026 <br> Resolved- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-\*\*\*Received Revised LE and COC - Due Diligence Vendor-04/02/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 15:06 | 2026-04-02 10:36 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Revised LE and COC - Due Diligence Vendor-04/02/2026 <br>Resolved- - Due Diligence Vendor-04/02/2026 <br>Ready for Review-Document Uploaded. See attached CD - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-03/27/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/27/2026 <br>Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-\*\*\*Received Revised LE and COC - Due Diligence Vendor-04/02/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review857972_xxxxxx_4_1_2026_111303_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 07:25 | 2026-04-01 11:10 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. See attached approval - Due Diligence Vendor-03/31/2026 <br> Open-1008/Underwriting Summary Not Provided Provide the completed 1008 / Underwriting Summary for xxxxxx.<br>The 1008 / Underwriting Summary is missing from the loan file. - Due Diligence Vendor-03/28/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/01/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | 857972_xxxxxx_857972_xxxxxx_Final_LDL_3-13-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857972 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 22:41 | 2026-04-01 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. See attached income worksheet - Due Diligence Vendor-03/31/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Provide the Lender Worksheet or Bank Statement Summary supporting B1's 12-month bank statement income calculation for xxxxxx (xxxxxx acct ending xxxxxx), as it is missing from the file. - Due Diligence Vendor-03/28/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/01/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | 857972_xxxxxx_Bank_Statement_Income_Review_Summary_(12).pdf<br> 857972_xxxxxx_857972_income_calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857978 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 14:50 | 2026-05-04 14:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Letter from Attorney confirming litigation of xxxxxx for a dispute regarding a pavement project completed in xxxxxx. The HOA has > $496,000 in reserves. The litigation is not applicable to the borrower or subject unit. The Appraiser confirms there are no health or saftey concerns. - Due Diligence Vendor-05/04/2026 <br> Open-Condo project does not meet guidelines. Condo has pending litigation due to paving repair - Due Diligence Vendor-05/04/2026 |  | Waived-Letter from Attorney confirming litigation of xxxxxx for a dispute regarding a pavement project completed in xxxxxx. The HOA has > $496,000 in reserves. The litigation is not applicable to the borrower or subject unit. The Appraiser confirms there are no health or saftey concerns. - Due Diligence Vendor-05/04/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.6% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years | \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* Credit Score 10 points > minimum required<br> \* DSCR > 1.15<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* Credit Score 10 points > minimum required<br> \* DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857978 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 14:47 | 2026-05-04 14:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsexception granted to allow unverified investor occupancy. questionnaire suggests 0 investor occupied units with xxxxxx primary and second home units total. - Due Diligence Vendor-05/04/2026 <br> Open-Condo questionnaire lists investor occupancy as unknown. unable to confirm investor concentration - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsexception granted to allow unverified investor occupancy. questionnaire suggests 0 investor occupied units with xxxxxx primary and second home units total. - Due Diligence Vendor-05/04/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.6% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years | \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* Credit Score 10 points > minimum required<br> \* DSCR > 1.15<br> \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* Credit Score 10 points > minimum required<br> \* DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857985 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858001 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858022 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 01:00 | 2026-02-18 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached Purchase Contract. - Due Diligence Vendor-02/18/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-02/13/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.83 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 858022_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858028 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858030 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 13:10 | 2026-02-04 07:13 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. Tax Cert - Due Diligence Vendor-02/03/2026 <br>Open-Missing Property Tax Cert. - Due Diligence Vendor-01/30/2026 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/04/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858030_xxxxxx_Tax_Certification_3_LTX26224814.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858030 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 11:05 | 2026-02-04 07:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-02/03/2026 <br> Open-Third Party Fraud Report Partially Provided. Single page Settlement One ID Risk Review only. - Due Diligence Vendor-02/02/2026 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/04/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858030_xxxxxx_FRAUD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858030 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 10:35 | 2026-02-04 07:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. Page 2 of PPP - Due Diligence Vendor-02/03/2026 <br>Open-Signature (page 2) page of Prepayment Rider Missing. - Due Diligence Vendor-02/02/2026 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-02/04/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858030_xxxxxx_DOT_2_LTX26224814.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858030 | xxxxxx | D A | Closed | xxxxxx | 2026-01-30 14:07 | 2026-02-03 07:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. UW approval - Due Diligence Vendor-02/03/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-01/30/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858030_xxxxxx_Loan#858030_FINAL_Notice_of_Loan_Approval_1-27-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858035 | xxxxxx | C A | Closed | xxxxxx | 2026-01-20 14:42 | 2026-01-28 09:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Provide updated home owner insurance declaration page showing dates xxxxxx in possible error. required xxxxxx policy - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026<br>| Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.03 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | updated EOI - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858063 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858068 | xxxxxx | C A | Closed | xxxxxx | 2026-01-21 01:28 | 2026-01-28 14:49 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached RCE. - Due Diligence Vendor-01/28/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx The current hazard insurance coverage of xxxxxx is below the required minimum coverage of $xxxxxx - Due Diligence Vendor-01/21/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 49.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858068_xxxxxx_Hazard_Ins_Policy_and_RCE_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858090 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-01 06:56 | 2026-04-03 07:50 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-04/02/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) Desk Review Not Available in the File - Due Diligence Vendor-04/01/2026 |  | Resolved-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | 858090_xxxxxx_cda_completed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858090 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-01 07:39 | 2026-04-03 07:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements (escrowed) and LOE stating no HOA provided - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see mortgage statement and HOA - Due Diligence Vendor-04/02/2026 <br> Open-Property xxxxxx , Mortgage Statement and Tax and Insurance Documents Missing.<br> - Due Diligence Vendor-04/01/2026 |  | Resolved-Mortgage statements (escrowed) and LOE stating no HOA provided - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |  | 858090_xxxxxx_mortgage_statements_for_12_months_xxxxxx_property.pdf<br> 858090_xxxxxx_loe_for_no_hoa_dues.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858093 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-04 14:21 | 2026-05-04 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsException granted to allow entity ownership concentration - Due Diligence Vendor-05/04/2026 <br>Open-Development has 2 entities with over 20% development ownership - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsException granted to allow entity ownership concentration - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed requirement by 6 months or more<br> Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 0x30 for 24 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858093 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-12 21:24 | 2026-02-18 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase contract provided - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached Purchase Contract. - Due Diligence Vendor-02/18/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-02/13/2026 |  | Resolved-Purchase contract provided - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858093_xxxxxx_B7_purchase_contract.pdf<br> 858093_xxxxxx_Purchase_Contract_(36).pdf<br> 858093_xxxxxx_Purchase_Contract_(36)_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858093 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-12 22:01 | 2026-02-18 13:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached Client Approval. - Due Diligence Vendor-02/18/2026 <br>Open-1008/Underwriting Summary Not Provided in file - Due Diligence Vendor-02/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858093_xxxxxx_858093_xxxxxx_Final_LDL_2-9-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858093 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-12 21:24 | 2026-02-17 16:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsNew project or newly converted projects requires 50% sold and conveyed. Seek exception to allow with less than 50% sold. - Due Diligence Vendor-02/17/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factorsNew project or newly converted projects requires 50% sold and conveyed. Seek exception to allow with less than 50% sold. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Reserves exceed requirement by 6 months or more<br> Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 0x30 for 24 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858093 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-13 01:57 | 2026-02-13 01:57 | Waived | 2 - Non-Material B | Credit | Missing Doc | Entity Financial Statement Incomplete | Waived-Client Exception granted with compensating factorsSingle entity ownership exceeds max of 20%. Seek exception<br> to allow - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factorsSingle entity ownership exceeds max of 20%. Seek exception<br> to allow - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858095 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-13 06:04 | 2026-02-18 13:55 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached Client Approval. - Due Diligence Vendor-02/18/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858095_xxxxxx_858095_xxxxxx_Final_LDL_2-9-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858095 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-13 05:26 | 2026-02-17 16:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsThe Builder is in control of the HOA - Due Diligence Vendor-02/17/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factorsThe Builder is in control of the HOA - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 6 months or more<br> Current primary home ownership > 2 years<br> 0x30 for 24 months on subject mortgage |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858108 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-13 14:20 | 2026-03-27 08:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Counter-Updated 1008 reflecting Audited DTI of 32.67% is needed - Breakdown: Total Audited REO is xxxxxx / Subject Rent Loss $4,932.79 / Other Monthly payments $257.00 = $40,764.56 vs Lenders 45,280.72 - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Our DTI calculates at 40.411% only, what do you need to clear this condition? Please provide more clarity. - Seller-03/23/2026 <br> Counter-Audited DTI 32.67% vs Lenders 40.411% this is due to REO properties. Total Audited REO is xxxxxx / Subject Rent Loss $4,932.79 / Other Monthly payments $257.00 = $40,764.56 vs Lenders 45,280.72 - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-1008/Underwriting Summary Not Provided Missing the Final 1008 (Uniform Underwriting and Transmittal Summary) - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Ready for Review-Our DTI calculates at 40.411% only, what do you need to clear this condition? Please provide more clarity. - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 35.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 28.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years |  | 1008.pdf<br>1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858108 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-13 16:37 | 2026-03-18 10:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Flood Hazard Notice is missing | Resolved- - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Open-Notice of Special Flood Hazard Disclosure is not signed nor dated - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved- - Due Diligence Vendor-03/18/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 35.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 28.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.19 Years |  | Flood Notice.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858154 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858158 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858216 | xxxxxx | C A | Closed | xxxxxx | 2026-03-05 05:16 | 2026-03-11 13:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. 3/10/26 - please see attached - Due Diligence Vendor-03/11/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-03/05/2026 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/11/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 30.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 11.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years |  | 858216_xxxxxx_0.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:08 | 2026-03-25 13:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsClient exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br> Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factorsClient exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 03:32 | 2026-01-30 14:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,726 months | EXCEPTION FORM.pdf<br> xxxxxx - Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 03:49 | 2026-01-27 03:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Total credit exposure to subject project exceeds guideline maximum | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/27/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,726 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858229 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-27 03:48 | 2026-01-27 03:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Subject property livable area does not meet guideline minimum | Waived-Client Exception granted with compensating factorsEXCEPTION APPROVAL FOR PROPERTY GLA OF xxxxxx SQFT. PER GUIDELINE, MINIMUM GLA MUST BE 500SQFT. - Due Diligence Vendor-01/27/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION APPROVAL FOR PROPERTY GLA OF xxxxxx SQFT. PER GUIDELINE, MINIMUM GLA MUST BE xxxxxx SQFT. - Due Diligence Vendor-01/27/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.36% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2726.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,726 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 06:05 | 2026-01-30 14:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/30/2026 <br> Rescinded-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Exception required for developer or builder under control. - Due Diligence Vendor-01/30/2026 <br>Rescinded-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,726 months | xxxxxx - Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:04 | 2026-01-30 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Counter-The condition is for the Master Condo Policy - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-HO-6 Master Insurance Policy Partially Provided Missing HO6 Master Property hazard insurance policy, already have liability in file. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | HAZARD INSURANCE HO6.pdf<br>HOA MASTER POLICY.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-29 08:36 | 2026-01-29 14:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk review provided. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-LCA provided has a score of 0. Missing valid 3rd party valuation product. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Enhanced Desk review provided. - Due Diligence Vendor-01/29/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | CCA_OTHER APPRAISAL REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:19 | 2026-01-28 17:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for allow < 50% owner occupied on a new project. Currently 45.06 owner occupied units - Due Diligence Vendor-01/28/2026 |  | Waived-Client Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for allow < 50% owner occupied on a new project. Currently 45.06 owner occupied units - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Borrower CBR exceeds minimum by 61 points<br> Reserves exceed 1400 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858231 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:09 | 2026-01-28 17:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsNumber of Mortgaged Properties is 12. Lender exception for more than $5,000,000 GBL exposure on xxxxxx project. - Due Diligence Vendor-01/28/2026 | Borrower making 10 loans with xxxxxx for xxxxxx units. - 01/28/2026 <br>| Waived-Client Exception granted with compensating factorsNumber of Mortgaged Properties is 12. Lender exception for more than $5,000,000 GBL exposure on xxxxxx project. - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 4627.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | Borrower CBR exceeds minimum by 61 points<br> Reserves exceed minimum by 1400 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-25 13:20 | 2026-03-25 13:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsClient exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 <br> Open-Condo project has less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factorsClient exception granted with compensating factors to allow project with less than the guideline required 50% owner occupied units. (45.06% owner occupied) - Due Diligence Vendor-03/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 03:56 | 2026-01-30 14:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-The Builder is in control of the HOA xxxxxx Guidelines: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 1,640 months. | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 04:03 | 2026-01-30 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Missing Flood Certificate in loan file - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | FLOOD CERT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858234 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-26 04:28 | 2026-01-26 04:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Total credit exposure to subject project exceeds guideline maximum | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 GBL EXPOSURE ON THE PROJECT - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1640.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 1,640 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858235 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-25 13:25 | 2026-03-25 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsClient exception granted with compensating factors to allow GBL exposure to project in excess of guideline maximum $5,000,000 - Due Diligence Vendor-03/25/2026 <br> Open-GBL exposure to xxxxxx project exceeds guideline maximum of $5,000,000 - Due Diligence Vendor-03/25/2026 |  | Waived-Client Exception granted with compensating factorsClient exception granted with compensating factors to allow GBL exposure to project in excess of guideline maximum $5,000,000 - Due Diligence Vendor-03/25/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2253.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858235 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:09 | 2026-01-30 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2253.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,261 months.  | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858235 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 05:32 | 2026-01-26 05:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Occupancy Not Allowed | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/26/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS. - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2253.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points. <br> • Current LTV is 15% less than max allowed. <br> • Reserves exceed minimum required by 2,261 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858240 | xxxxxx | B A | Closed | xxxxxx | 2026-02-08 23:57 | 2026-02-09 14:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/09/2026 <br>Open-1008/Underwriting Summary Not Provided Per the approval page 288 #28 Prior to Funding Conditions, (28. Final Executed 1008/Loan Approval and Fully executed final 1003 required.) - Due Diligence Vendor-02/09/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated<br> Months Reserves Of 30.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 858240_xxxxxx_Loan#858240_FINAL_Notice_of_Loan_Approval_2-2-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858244 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858250 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 20:54 | 2026-03-06 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreements provided - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see lease - Due Diligence Vendor-03/06/2026 <br> Open-Lease Agreement is missing for 'xxxxxx' - guidelines stipulate DSCR calc is based on the lesser of the in place lease agreement or the estimated market rent. Please provide valid lease(s) for any and all rented units. - Due Diligence Vendor-03/06/2026 |  | Resolved-Lease Agreements provided - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review858250_xxxxxx_3_6_2026_100937_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858250 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 09:48 | 2026-03-06 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity docs provided - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see LLC docs - Due Diligence Vendor-03/06/2026 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN While there is an operating agreement and evidence of EIN on file, the SOS documentation is a cert of organization and does not satisfy a requirement for a certificate of good standing as it does not talk about the current standing of the company with the SOS. Please provide - Due Diligence Vendor-03/05/2026 |  | Resolved-Entity docs provided - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858250_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858250 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 19:16 | 2026-03-06 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see insurance - Due Diligence Vendor-03/06/2026 <br>Open-Missing Hazard Insurance Policy HOI policy was not uploaded in the document package and an amount is not listed on 1008. Please provide HOI policy - Due Diligence Vendor-03/06/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858250_xxxxxx_Insurance-Binder-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858250 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 09:53 | 2026-03-06 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-03/06/2026 <br>Open-Title Document is missing No title documentation uploaded with the file, please provide - Due Diligence Vendor-03/05/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858250_xxxxxx_Insurance-Binder-xxxxxx.pdf<br> 858250_xxxxxx_Email_Title__Re__xxxxxx.pdf<br> 858250_xxxxxx_Email_confirmation_from_title_on_UCC_lien.pdf<br> 858250_xxxxxx_Title_Response.pdf<br> 858250_xxxxxx_Revised_Title_Commitment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858250 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 13:25 | 2026-03-06 15:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Valid appraisal review product provided- Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see BPO - Due Diligence Vendor-03/06/2026 <br> Open-Provide the commercial appraisal review product. - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 |  | Resolved-Valid appraisal review product provided- Due Diligence Vendor-03/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858250_xxxxxx_BPO_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858259 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858267 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 06:00 | 2026-01-13 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-COG provided for xxxxxx - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Counter-The Entity (COG) provided is for xxxxxx however the Entity documents in the file are for xxxxxx - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Counter-Missing COGS(Certificate of good standing) still. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. - Seller-01/10/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing COGS, (OA, Formation, EIN already in file) - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/10/2026<br>| Resolved-COG provided for xxxxxx - Due Diligence Vendor-01/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | LLC DOCUMENT OR ENTITY DOCUMENT (7).pdf<br> LLC DOCUMENT OR ENTITY DOCUMENT (8).pdf<br> LLC DOCUMENT OR ENTITY DOCUMENT (67).pdf<br> xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858267 | xxxxxx | D A | Closed | xxxxxx | 2026-01-09 10:59 | 2026-01-10 07:32 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Valid appraisal review product provided - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. - Seller-01/10/2026 <br> Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/10/2026<br>| Resolved-Valid appraisal review product provided - Due Diligence Vendor-01/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL REVIEW (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858267 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 18:43 | 2026-01-09 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-Title Document is missing Missing title commitment - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | PRELIM TITLE REPORT - 2026-01-09T090307.244.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858270 | xxxxxx | D A | Closed | xxxxxx | 2026-01-08 07:58 | 2026-01-09 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Lender provided additional info. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Please waive, borrower is sole and using SSN and not EIN number - Seller-01/09/2026 <br>Counter-Did borrower apply for EIN, that document is still missing. 2 docs were already in file. OA also received which mentions treating as sole prop. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing operating agreement and EIN. - Due Diligence Vendor-01/08/2026 | Ready for Review-Please waive, borrower is sole and using SSN and not EIN number - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Lender provided additional info. - Due Diligence Vendor-01/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.28 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.69% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | LLC DOCUMENT OR ENTITY DOCUMENT (63).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (64).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (66).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 07:45 | 2026-01-16 07:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of is greater than or equal to Guideline FICO of 0 - Due Diligence Vendor-01/16/2026 <br> Ready for Review-This is foreign national , no credit report is required . Use default score 680 - Seller-01/15/2026 <br> Open-Audited FICO of is less than Guideline FICO of 680 The credit report was not provided to verify the borrower's credit score. - Due Diligence Vendor-01/15/2026 | Ready for Review-This is foreign national , no credit report is required . Use default score 680 - Seller-01/15/2026 | Resolved-Audited FICO of is greater than or equal to Guideline FICO of 0 - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 07:45 | 2026-01-16 07:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 48.53 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 6 Cash out may be used to document reserves, however the Final CD/HUD 1 statement was not provided. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Audited Reserves of 48.53 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | FINAL SETTLEMENT SHEET HUD-1 (46).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 16:54 | 2026-01-16 07:20 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-BPO provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. using BPO, CU score not needed - Seller-01/15/2026 <br>Open-The CU and LCA were not provided for the subject property to support appraised value. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. using BPO, CU score not needed - Seller-01/15/2026<br>| Resolved-BPO provided - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | APPRAISAL REVIEW (18).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 07:12 | 2026-01-16 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Entity documents provided - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | LLC DOCUMENT OR ENTITY DOCUMENT (68).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (69).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (71).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 07:13 | 2026-01-16 07:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final settlement statement provided - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-HUD/Settlement Statement missing in file - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Final settlement statement provided - Due Diligence Vendor-01/16/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | FINAL SETTLEMENT SHEET HUD-1 (46).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 07:12 | 2026-01-16 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Open-Personal Guaranty is missing.in file - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | SIGNED CLOSING PACKAGE - 2026-01-15T143211.181.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 17:05 | 2026-01-16 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Not required for foreign nationals. Using credit letter instead - Seller-01/15/2026 <br> Open-Borrower 1 Credit Report is Missing. The credit report was not provided. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Not required for foreign nationals. Using credit letter instead - Seller-01/15/2026<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/16/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | CREDIT REPORT (6).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858271 | xxxxxx | D B A C | Closed | xxxxxx | 2026-01-15 07:45 | 2026-01-15 07:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client Exception granted with compensating factorsAudited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1000000 xxxxxx loan amount - Due Diligence Vendor-01/15/2026 |  | Waived-Client Exception granted with compensating factorsAudited Loan Amount of xxxxxx is greater than the Guideline Maximum Loan Amount of $1000000 xxxxxx loan amount - Due Diligence Vendor-01/15/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | PITIA reserves above min by 6 months<br>LTV below max by 10% (applicable for investment properties only) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858273 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 11:59 | 2026-01-08 19:19 | Resolved | 1 - Information C A | Compliance | State Reg | Prepayment Penalty charged on Business Purpose loan where State Does not permit. | Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Attached is our letter of intent to re-record - Seller-01/08/2026 <br> Counter-Documentation provided indicates a corrected Note and Security Instrument with the Prepayment Penalty removed, was issued and executed at consummation. Please confirm. \*\*\* If this is not the case please provide confirmation from title that they will facilitate a re-recoding of the corrected Security instrument (mortgage) and provide either a cover letter or page 1 of the corrected security instrument to include a the re-record declaration verbiage. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-The subject property's state, xxxxxx, does not allow pre-payment penalties for Business Purpose loans. As per guideline pre-payment it is not eligible for refinance or sale. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Attached is our letter of intent to re-record - Seller-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 20260106134714121.pdf<br> intent.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858273 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-31 12:08 | 2026-01-05 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Title Document is missing The Title Document for the subject property, located at xxxxxx, is missing.<br> - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-01/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.5 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | MISC. CLOSING DOCUMENTS (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858276 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858277 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858285 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858287 | xxxxxx | B A | Closed | xxxxxx | 2026-01-16 16:36 | 2026-01-20 08:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-BPO provided - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. BPO xxxxxx - Seller-01/19/2026 <br> Counter-The Appraisal reflects Value as xxxxxx however Lenders 1008 states xxxxxx was used. Provide LOE / Documentation to support the Lesser Value - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Open-Provide an updated Transmittal Summary / 1008 reflecting an appraised value of xxxxxx per appraisal report and desk review, or provide explanation for why appraised value of xxxxxx was used. LTV moves from 69.23% to 67.92%. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. BPO xxxxxx - Seller-01/19/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 | Resolved-BPO provided - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 976.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | transmittal_19_pdf (74).pdf<br>APPRAISAL (19).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858288 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858289 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858290 | xxxxxx | D A | Closed | xxxxxx | 2026-01-18 12:35 | 2026-01-20 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-AUD Lease Agreement and updated 1008 provided - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Appraisal & 1008 reflected property as a SFR + ADU. UW used gross market rents as SFR was vacant and current lease for ADU to qualify. No lease available as SFR is Vacant.<br>UW provided updated 1008 to clarify. - Seller-01/19/2026 <br> Open-Per final 1008 borrower receives $2,175 in qualifying rent. Per 1008 rent was $1550 and is now $2175 due to $625 added per lease extension. Unable to find lease showing rent is $1550 - Due Diligence Vendor-01/18/2026 | Ready for Review-Document Uploaded. Appraisal & 1008 reflected property as a SFR + ADU. UW used gross market rents as SFR was vacant and current lease for ADU to qualify. No lease available as SFR is Vacant.<br>UW provided updated 1008 to clarify. - Seller-01/19/2026 | Resolved-AUD Lease Agreement and updated 1008 provided - Due Diligence Vendor-01/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1119.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 75% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | LEASE_RENTAL AGREEMENT (3).pdf<br>transmittal_19_pdf (75).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858290 | xxxxxx | D A | Closed | xxxxxx | 2026-01-18 13:02 | 2026-01-20 08:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. paying those liens through closing - Seller-01/19/2026 <br> Open-Property Title Issue The following liens on title should be satisfied: <br>Notice of Lien dated xxxxxx, filed for record under xxxxxx Clerk's File No. xxxxxx, by the City of xxxxxx, in the amount of xxxxxx. <br>Notice of Lien dated xxxxxx, filed for record under xxxxxx Clerk's File No. xxxxxx, by the City of xxxxxx, in the amount of xxxxxx. - Due Diligence Vendor-01/18/2026 | Ready for Review-Document Uploaded. paying those liens through closing - Seller-01/19/2026<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1119.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 75% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | FINAL SETTLEMENT SHEET HUD-1 (48).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858291 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858292 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858297 | xxxxxx | C A | Closed | xxxxxx | 2025-12-16 14:37 | 2025-12-18 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 119.02 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Final CS - using cash-out for reserves, Business purpose - no CD - Seller-12/17/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 2 (Missing Closing Statement) - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Final CS - using cash-out for reserves, Business purpose - no CD - Seller-12/17/2025<br>| Resolved-Audited Reserves of 119.02 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | FINAL SETTLEMENT SHEET HUD-1 (38).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858297 | xxxxxx | C A | Closed | xxxxxx | 2025-12-16 14:47 | 2025-12-18 10:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final settlement statement provided - Due Diligence Vendor-12/18/2025 <br> Counter-Final HUD/SS provided in Assets condition - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. signed CS - Seller-12/18/2025 <br> Open-Closing Disclosure is missing or Settlement Statement is missing for Subject property: xxxxxx, xxxxxx, xxxxxx. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. signed CS - Seller-12/18/2025<br>| Resolved-Final settlement statement provided - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | SIGNED CLOSING PACKAGE (20).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858298 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858299 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858300 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858306 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858308 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858309 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 12:19 | 2025-12-10 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/09/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Entity documents provided. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 83.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | LLC DOCUMENT OR ENTITY DOCUMENT (56).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (57).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (57).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (60).pdf<br>LLC DOCUMENT OR ENTITY DOCUMENT (62).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858309 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 12:06 | 2025-12-10 08:13 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO Provided. Per Guidelines: 10.1.7B - APPRAISAL REVIEW REQUIREMENTS 5-8 RESIDENTIAL AND 2-8 MIXED USED – (xxxxxx) A commercial sales and income Broker Price Opinion (BPO) is required. The appraised value is considered valid if the BPO is greater than or not more than 10% below the value of the appraisal. If the BPO is more than 10% below the appraised value, then the BPO value is used to determine the loan LTV. In xxxxxx, a commercial evaluation product is used instead of the BPO product - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. bpo - Seller-12/09/2025 <br> Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. bpo - Seller-12/09/2025<br>| Resolved-BPO Provided. Per Guidelines: 10.1.7B - APPRAISAL REVIEW REQUIREMENTS 5-8 RESIDENTIAL AND 2-8 MIXED USED – (xxxxxx) A commercial sales and income Broker Price Opinion (BPO) is required. The appraised value is considered valid if the BPO is greater than or not more than 10% below the value of the appraisal. If the BPO is more than 10% below the appraised value, then the BPO value is used to determine the loan LTV. In xxxxxx, a commercial evaluation product is used instead of the BPO product - Due Diligence Vendor-12/10/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 83.36 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL REVIEW (12).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858311 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858324 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 13:54 | 2026-05-04 13:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsException granted to allow short term rental on rural property - Due Diligence Vendor-05/04/2026 <br>Open-Rural property is not eligible for property qualifying with short term rental - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsException granted to allow short term rental on rural property - Due Diligence Vendor-05/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> PITIA reserves above min by 6 months<br> DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858324 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-18 04:13 | 2026-01-18 04:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Lender exception for Short Term Rental refinance. - Due Diligence Vendor-01/18/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Lender exception for Short Term Rental refinance. - Due Diligence Vendor-01/18/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> PITIA reserves above min by 6 months<br> DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858330 | xxxxxx | B A | Closed | xxxxxx | 2026-01-11 01:00 | 2026-01-11 01:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% 5%LTV exception to 75% for R/T - Due Diligence Vendor-01/11/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% 5%LTV exception to 75% for R/T - Due Diligence Vendor-01/11/2026<br>| Refinance provides net tangible benefit to borrower with reduced payment and/or total monthly liabilities - Refinance results in housing payment reduction over 10% as well as payoff a balloon note due.<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months | - PITIA reserves above min by 6 months<br> - Reduction in housing payment by 10%+<br> - paying off balloon note due |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 858335 | xxxxxx | B A | Closed | xxxxxx | 2026-03-12 18:15 | 2026-03-18 10:02 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. See attached initial disclosure package. - Due Diligence Vendor-03/17/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-03/12/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received - Due Diligence Vendor-03/18/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858335_xxxxxx_3_13_2026_120150_PM.zip<br> 858335_xxxxxx_Initial_Disclosures.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 858336 | xxxxxx | C A | Closed | xxxxxx | 2026-02-15 05:38 | 2026-02-25 19:06 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Document Uploaded. - Due Diligence Vendor-02/25/2026 <br>Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Tax Cert - Due Diligence Vendor-02/18/2026 <br>Open-Missing Property Tax Cert and title does not reflect taxes. - Due Diligence Vendor-02/15/2026 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/25/2026 <br>Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.33 Years |  | 858336_xxxxxx_Tax_certificate.pdf<br> 12 Month Lookback - VRBO.pdf<br> 12 Month Lookback - xxxxxx.pdf<br> 12 Month Lookback - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858348 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-23 14:15 | 2026-03-18 10:47 | Waived | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Waived-Client Exception granted with compensating factorsClient has provided attorney opinion letter from xxxxxx stating that this specific scenario is an acceptable practice and no cure back to the borrower is required. - Due Diligence Vendor-03/18/2026 <br> Open-\*\*\* On xxxxxx a cure in the amount of $160.85 was issued to the borrower. On xxxxxx that disclosed cure was either removed or reduced.~~~~~ A cure once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. Cure in the amount of $102.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 |  | Acknowledged-Client has provided attorney opinion letter from xxxxxx stating that this specific scenario is an acceptable practice and no cure back to the borrower is required. - Due Diligence Vendor-03/18/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.88 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.88 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.25 Years Borrower At Current Residence For Five (5) Or More Years - 20.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 54.92% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 88.29 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858387 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858533 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858535 | xxxxxx | C A | Closed | xxxxxx | 2026-02-15 10:14 | 2026-02-26 08:41 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. 2/24/26 - please see Signed final Application - Due Diligence Vendor-02/25/2026 <br> Open-The Final 1003 is Not Executed Provide signed/dated final 1003 used during loan approval - Due Diligence Vendor-02/15/2026 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-02/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 9.5 Years |  | 858535_xxxxxx_final_1003_signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858542 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858565 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858586 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-13 11:11 | 2026-02-17 15:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsClient Exception granted with compensating factors to allow a first time investor in a condo subject property. - Due Diligence Vendor-02/13/2026 <br> Open-Borrower is considered a first time investor; per guidelines, first time investors are allowable for SFR only, subject property is a xxxxxx. - Due Diligence Vendor-02/13/2026 |  | Waived-Client Exception granted with compensating factorsClient Exception granted with compensating factors to allow a first time investor in a xxxxxx subject property. - Due Diligence Vendor-02/13/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | Reserves: 12 or More Mos.; LTV 60%; DSCR > 1.25; FICO 775; |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858587 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858646 | xxxxxx | B A | Closed | xxxxxx | 2026-02-27 03:43 | 2026-03-04 07:54 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached Client Approval - Loan Details. - Due Diligence Vendor-03/02/2026 <br> Open-1008/Underwriting Summary Not Provided Provide the completed 1008 / Underwriting Summary for xxxxxx.<br>The 1008 / Underwriting Summary is missing from the loan file. - Due Diligence Vendor-02/27/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.03 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years |  | 858646_xxxxxx_858646_xxxxxx_Final_LDL_2-13-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 17:04 | 2026-03-18 10:26 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. See True and Correct Settlement statement - Due Diligence Vendor-03/17/2026 <br> Counter-\*\*Received Initial LE. The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/18/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | Full Review858656_xxxxxx_3_13_2026_34127_PM.zip<br> 858656_xxxxxx_Buyer_or_Borrower's_Statement_FINAL.pdf<br> 858656_xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 09:55 | 2026-03-12 16:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/12/2026 <br>Counter-the condition is for Missing HOI Annual premium amount - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. HOI with premium - Due Diligence Vendor-03/09/2026 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance total annual premium amount not provided on the HOI policy. Please provide - Due Diligence Vendor-03/04/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | 858656_xxxxxx_HOI.pdf<br> 858656 Insurance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 17:04 | 2026-03-11 16:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026 <br> Resolved- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Initial LE - Due Diligence Vendor-03/10/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | Full Review858656_xxxxxx_3_10_2026_95918_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 17:04 | 2026-03-11 16:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026 <br> Resolved- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Initial LE - Due Diligence Vendor-03/10/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | Full Review858656_xxxxxx_3_10_2026_95830_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 17:04 | 2026-03-11 16:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026 <br> Resolved- - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Initial LE - Due Diligence Vendor-03/10/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,384.15.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | Full Review858656_xxxxxx_3_10_2026_95918_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 17:04 | 2026-03-11 16:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026 <br> Resolved- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Initial LE - Due Diligence Vendor-03/10/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,291.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | Full Review858656_xxxxxx_3_10_2026_95733_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858656 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 17:04 | 2026-03-11 16:05 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026 <br> Resolved- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Initial LE - Due Diligence Vendor-03/10/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Received ILE - Due Diligence Vendor-03/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.5% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.72% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.31 Years |  | Full Review858656_xxxxxx_3_10_2026_100006_AM.zip<br> 858656_xxxxxx_B1_xxxxxx_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858721 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-19 07:50 | 2026-03-25 16:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see the Initial CD. xxxxxx! - Due Diligence Vendor-03/20/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-03/19/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-03/25/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 Years |  | Full Review858721_xxxxxx_3_19_2026_22355_PM.zip<br> 858721_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260123_xxxxxx_2.pdf<br> 858721_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260123_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858721 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-18 13:28 | 2026-03-24 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached. Also, the Fraud Report includes UDM reporting Feb 19, 2026 9:11AM - Due Diligence Vendor-03/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report which is required no more than 30- days prior to loan closing or any time after closing. The credit report provided is 32 days at closing. - Due Diligence Vendor-03/18/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/24/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 Years |  | 858721_xxxxxx_ProcessorCert_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858721 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-18 13:28 | 2026-03-24 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. Please see attached. Also, the Fraud Report includes UDM reporting Feb 19, 2026 9:11AM - Due Diligence Vendor-03/23/2026 <br>Open-Borrower 2 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report which is required no more than 30- days prior to loan closing or any time after closing. The credit report provided is 32 days at closing. - Due Diligence Vendor-03/18/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/24/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 Years |  | 858721_xxxxxx_ProcessorCert_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858721 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-18 12:27 | 2026-03-20 10:10 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see uploaded bank statements that were used by our UW to qualify. xxxxxx! - Due Diligence Vendor-03/19/2026 <br> Open-Income 1 Months Income Verified is Missing . Provide 12 months bank statement used for income approval with xxxxxx. No bank statements were provided at the time of review. Loan is subject to additional review and possible conditions. - Due Diligence Vendor-03/18/2026 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/20/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 Years |  | Full Review858721_xxxxxx_3_19_2026_112945_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858721 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-18 12:27 | 2026-03-20 10:10 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see uploaded bank statements that were used by our UW to qualify. xxxxxx! - Due Diligence Vendor-03/19/2026 <br> Open-Income 2 Months Income Verified is Missing . Provide 12 months bank statement used for income approval with xxxxxx. No bank statements were provided at the time of review. Loan is subject to additional review and possible conditions. - Due Diligence Vendor-03/18/2026 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/20/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 Years |  | Full Review858721_xxxxxx_3_19_2026_112945_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858721 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-18 12:27 | 2026-03-20 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please find uploaded the Income Worksheets for B1 & B2. xxxxxx! - Due Diligence Vendor-03/19/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary . Provide bank statement income worksheet for both xxxxxx and xxxxxx. At the time of review the income worksheets provided were completed on a schedule C form, however there are no tax returns provided and the loan was submitted under the 12 month bank statement program. - Due Diligence Vendor-03/18/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/20/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.10 Years |  | 858721_xxxxxx_858721_Income_Worksheet.pdf<br> 858721_xxxxxx_858721_Income_Worksheet_1.pdf<br> 858721_xxxxxx_858721_Income_Worksheet_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858746 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-19 18:15 | 2026-02-24 11:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-02/23/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/19/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 188.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858746_xxxxxx_Loan#858746_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858746 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-23 09:54 | 2026-02-23 09:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR is less than the guideline minimum | Waived-Client Exception granted with compensating factorsBorrower are first time investors with DSCR score below 1 - Due Diligence Vendor-02/23/2026 <br>Open- - Due Diligence Vendor-02/23/2026 |  | Waived-Client Exception granted with compensating factorsBorrower are first time investors with DSCR score below 1 - Due Diligence Vendor-02/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 188.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Reserves exceed requirement by 10 months or more<br> Credit Score 30+ points > minimum required<br> Current primary home ownership > 2 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858778 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 01:43 | 2026-03-28 11:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Due Diligence Vendor-03/25/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Appraisal Review resulting in a 0% tolerance cure in the amount of $165.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $165.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/22/2026 <br> Open- - Due Diligence Vendor-03/22/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858778_xxxxxx_3_24_2026_61334_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858778 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 01:43 | 2026-03-28 11:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Due Diligence Vendor-03/25/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Appraisal Review resulting in a 0% tolerance cure in the amount of $165.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $165.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/22/2026 <br> Open- - Due Diligence Vendor-03/22/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858778_xxxxxx_3_24_2026_61334_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858778 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 01:43 | 2026-03-28 11:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,180.00) exceed the comparable charges ($785.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,180.00) exceed the comparable charges ($600.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). 10% tolerance cure in the amount of $1,520.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.\*\*\*\*\*The following charges have been either added or increased: Attorney and Lender's Title Insurance Policy resulting in a 10% tolerance cure in the amount of $1,520.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $1,520.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/22/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/22/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858778_xxxxxx_3_24_2026_61207_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858778 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 01:43 | 2026-03-28 11:39 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,497.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,007.50). 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). Revised LE dated xxxxxx reflects Lender Credit Fee $6008.00 however, Final CD dated xxxxxx reflects the Lender Credit Fee $2497.50 The fee $3510.50 has been decreased for Lender Credit. Required valid COC\*\*\*\*\*The curative Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $3,510.50. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $3,510.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/22/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/22/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858778_xxxxxx_3_24_2026_61252_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858778 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 01:43 | 2026-03-28 11:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LE dated xxxxxx reflects Appraisal review fee $0.00 however, Final CD dated xxxxxx reflects the Appraisal review Fee $165.00 .The fee ($165.00) has been increased for Appraisal review Fee which exceeds the 0% tolerance. Required valid COC or cure amount of $165.00.\*\*\*\*\*The following charges have been either added or increased: Appraisal Review resulting in a 0% tolerance cure in the amount of $165.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $165.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/22/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/22/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review858778_xxxxxx_3_24_2026_60959_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858788 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858826 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-01 13:38 | 2026-04-07 10:28 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE & ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/07/2026 <br> Resolved- - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. See compliance docs - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-04/01/2026 <br> Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Rate dependent charge changes subject to 0% tolerance total $300.00. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-Locked LE & ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.08 Years |  | Full Review858826_xxxxxx_4_6_2026_83705_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858826 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-01 05:58 | 2026-04-06 09:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. See attached approval - Due Diligence Vendor-04/06/2026 <br>Counter-Missing attachment, please reupload - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Please find uploaded the UW Approval. xxxxxx! (no upload attached) - Due Diligence Vendor-04/03/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.24 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.08 Years |  | 858826_xxxxxx_Loan#858826_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858888 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858912 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859041 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859061 | xxxxxx | C A | Closed | xxxxxx | 2026-03-13 15:29 | 2026-03-20 07:47 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Signed NON-IDENTITY AFFIDAVIT regarding Judgements that do not belong to the bwr provided - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Property Title Issue . Provide hold harmless disclosure executed by the borrower showing all liens on title do not belong to the borrower or provide documentation that the borrower has paid and been released of the said liens. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Signed NON-IDENTITY AFFIDAVIT regarding Judgements that do not belong to the bwr provided - Due Diligence Vendor-03/20/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | NON-ID xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859062 | xxxxxx | C A | Closed | xxxxxx | 2026-03-18 14:32 | 2026-03-31 11:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. Please see attached for review. xxxxxx! - Due Diligence Vendor-03/27/2026 <br>Open-Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked.<br> - Due Diligence Vendor-03/18/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/31/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review859062_xxxxxx_3_27_2026_94404_AM.zip<br> 859062_xxxxxx_RL_Disc_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859062 | xxxxxx | C A | Closed | xxxxxx | 2026-03-18 14:24 | 2026-03-31 11:26 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/31/2026 <br> Resolved- - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. Please see attached for review. xxxxxx! - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/31/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review859062_xxxxxx_3_27_2026_94316_AM.zip<br> 859062_xxxxxx_Rate_Lock_Documents.pdf<br> 859062_xxxxxx_RL_Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859063 | xxxxxx | D A | Closed | xxxxxx | 2026-03-14 00:51 | 2026-03-24 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Counter-xxxxxx for the confusion, The Loan was approved using xxxxxx (12 Months of Business bank statements) the Lender Loan file only contains 2 Months of xxxxxx Bank Oct-Nov 2025 & Jan-Feb 2026 - Provide All Business statements used to qualify the income. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-Borrower 1 Business Bank Statements Missing Business Bank Statements Missing for xxxxxx Bank xxxxxx January-October 2025 & December 2025 - Due Diligence Vendor-03/14/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/24/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.56 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Months Reserves Of 93.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Bank Statement.pdf<br>Income Worksheet.pdf<br>Bank statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859063 | xxxxxx | D A | Closed | xxxxxx | 2026-03-14 01:07 | 2026-03-18 11:31 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/14/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/18/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.56 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Months Reserves Of 93.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Final 1008 Underwriting Summary is missing | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859075 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 14:41 | 2026-04-13 14:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Client Non-Del Approval - Loan Terms. - Due Diligence Vendor-04/13/2026 <br> Open-1008/Underwriting Summary Partially Provided Lenders 1008 states AUS/DU Approved however documentation in the loan file states Manual UW - Audited DTI is 29.14% Vs Lenders 23.472 - Updated 1008 is needed. - Due Diligence Vendor-04/10/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859075_xxxxxx_Loan_#859075_LDL-Report_UPDATED_3-12-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859075 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 13:27 | 2026-04-10 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Borrower REO docs for xxxxxx provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE stating no HOA (verified via xxxxxx as well) as well as Mortgage Statement with impounds. - Due Diligence Vendor-04/10/2026 <br> Open-Missing evidence of pending sale for xxxxxx . - Due Diligence Vendor-04/08/2026 |  | Resolved-Borrower REO docs for xxxxxx provided - Due Diligence Vendor-04/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859075_xxxxxx_REO.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859075 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 00:35 | 2026-04-10 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/10/2026 <br>Ready for Review-Document Uploaded. Please see attached Income Worksheet. - Due Diligence Vendor-04/10/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/08/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 859075_xxxxxx_859075_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859095 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 01:05 | 2026-04-14 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-CBR provided at the time of Initial Application - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached Credit Report. - Buyer-04/14/2026 <br>Open-Borrower 1 Credit Report is Missing. While the gap report is on file, the full credit report is not with the rest of the upload package. Please provide - Due Diligence Vendor-04/13/2026 |  | Resolved-CBR provided at the time of Initial Application - Due Diligence Vendor-04/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.06% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.83 Years |  | Credit Report (7).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859095 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 00:15 | 2026-04-14 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see attached Farud Report. - Buyer-04/14/2026 <br>Open-Missing Third Party Fraud Report - Per Client guidelines, a fraud report an OFAC search are required. Please provide. - Due Diligence Vendor-04/13/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 109.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.06% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.83 Years |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859130 | xxxxxx | B A | Closed | xxxxxx | 2026-02-12 02:06 | 2026-02-14 09:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026 <br>Ready for Review-Document Uploaded. See attached pre approval. - Due Diligence Vendor-02/13/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 388.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859130_xxxxxx_Loan#859130_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859142 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 859158 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 11:24 | 2026-03-27 08:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Valid secondary review product provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. See attached CDA with 0% variance. - Due Diligence Vendor-03/26/2026 <br> Open-Per guidelines, when both CU and LCA are present, both scores must be 2.5 or lower. We have an LCA of 4, meaning a CDA needs to be ordered. One is not on file, however. Please provide a second appraisal, CDA, or other product that satisfies this requirement. - Due Diligence Vendor-03/18/2026 |  | Resolved-Valid secondary review product provided - Due Diligence Vendor-03/27/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.3% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 163.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years |  | 859158_xxxxxx_-_cda_2.pdf<br> 859158_xxxxxx_-_cda.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859161 | xxxxxx | B A | Closed | xxxxxx | 2026-02-13 15:39 | 2026-02-22 08:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Missing final closing disclosure/settlement statement/equivalent | Resolved-Final settlement statement provided - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see signed and stamped settlement statement - Due Diligence Vendor-02/19/2026 <br> Open-Provide settlement statement with executed copy for the subject property "xxxxxx". - Due Diligence Vendor-02/13/2026 |  | Resolved-Final settlement statement provided - Due Diligence Vendor-02/22/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.6% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859161_xxxxxx_Final_SS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859277 | xxxxxx | C A | Closed | xxxxxx | 2026-03-18 02:33 | 2026-03-20 11:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-xxxxxx GAP.PDF is the correct attachment. xxxxxx, - Buyer-03/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/19/2026 <br> Counter-Unable to open PDF, Please reupload - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-03/19/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A gap credit report or Undisclosed Debt Monitoring report is required no more than 30 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. Gap report provided is 33 days after disbursement date. - Due Diligence Vendor-03/18/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.66 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.66 Years |  | 859277_xxxxxx_GAP.pdf<br> xxxxxx GAP.pdf<br> xxxxxx GAP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859292 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859459 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 05:21 | 2026-04-21 13:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Re-Recorded DOT with Signed PUD rider provided - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. 4/20/26 - Please see attached updates to DOT - Due Diligence Vendor-04/21/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-03/10/2026 |  | Resolved-Re-Recorded DOT with Signed PUD rider provided - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.15 Years |  | 859459_xxxxxx_Recorded_DOT_including_Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859459 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 07:40 | 2026-03-11 13:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. 3/10/26 - please see approval attached. - Due Diligence Vendor-03/11/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/10/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.15 Years |  | 859459_xxxxxx_Loan_#859459_LDL-Report_UPDATED_2-18-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859459 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 05:35 | 2026-03-11 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. 3/10/26 - please see attached. - Due Diligence Vendor-03/11/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/10/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.15 Years |  | 859459_xxxxxx_859459_Income_worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859469 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 859477 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 17:38 | 2026-04-24 12:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Invoices. - Due Diligence Vendor-04/23/2026 <br> Counter-\*\*\*Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see PCCD. - Due Diligence Vendor-04/17/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $914.53.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been either added or increased: Association Document Fee payable to xxxxxx Docs FBO xxxxxx in the amount of $757.03 and Association Document Fee payable to EOI Direct FBO xxxxxx in the amount of 157.50. resulting in a 0% tolerance cure in the amount of $914.53. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.42 Years |  | Full Review859477_xxxxxx_4_16_2026_64021_PM.zip<br> 859477_xxxxxx_PCCD.pdf<br> Full Review859477_xxxxxx_4_23_2026_122020_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859477 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 17:38 | 2026-04-24 12:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Invoices. - Due Diligence Vendor-04/23/2026 <br> Counter-\*\*\*Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see PCCD. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*\*\*\*\* \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Association Document Fee payable to xxxxxx Docs FBO xxxxxx in the amount of $757.03 and Association Document Fee payable to EOI Direct FBO xxxxxx in the amount of 157.50, have been erroneously excluded from the Total of Payment calculations disclosed to the borrower. Restitution in the amount of $914.53 is required, Please provided PCCD, LOE, copy of restitution check, proof of delivery to borrower, and copy of new Rescission. - Due Diligence Vendor-04/13/2026 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $2,370,126.86. The disclosed total of payments charge of $2,369,212.33 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.42 Years |  | Full Review859477_xxxxxx_4_17_2026_103629_AM.zip<br> Full Review859477_xxxxxx_4_23_2026_122201_PM.zip<br> 859477_xxxxxx_invoice.pdf<br> 859477_xxxxxx_EOI_invoice.pdf<br> 859477_xxxxxx_859477_CD's.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859477 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 17:38 | 2026-04-24 12:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Invoices. - Due Diligence Vendor-04/23/2026 <br> Counter-\*\*\*Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see PCCD. - Due Diligence Vendor-04/17/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been either added or increased: Association Document Fee payable to xxxxxx Docs FBO xxxxxx in the amount of $757.03 and Association Document Fee payable to EOI Direct FBO xxxxxx in the amount of 157.50. resulting in a 0% tolerance cure in the amount of $914.53. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.42 Years |  | Full Review859477_xxxxxx_4_16_2026_63818_PM.zip<br> Full Review859477_xxxxxx_4_23_2026_121734_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859477 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 17:38 | 2026-04-24 12:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Invoices. - Due Diligence Vendor-04/23/2026 <br> Counter-\*\*\*Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see PCCD. - Due Diligence Vendor-04/17/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been either added or increased: Association Document Fee payable to xxxxxx Docs FBO xxxxxx in the amount of $757.03 and Association Document Fee payable to EOI Direct FBO xxxxxx in the amount of 157.50. resulting in a 0% tolerance cure in the amount of $914.53. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.42 Years |  | Full Review859477_xxxxxx_4_16_2026_63908_PM.zip<br> Full Review859477_xxxxxx_4_23_2026_121827_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859477 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 17:38 | 2026-04-24 12:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Invoices. - Due Diligence Vendor-04/23/2026 <br> Counter-\*\*\*Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see PCCD. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*\*\*\*\* \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Association Document Fee payable to xxxxxx Docs FBO xxxxxx in the amount of $757.03 and Association Document Fee payable to EOI Direct FBO xxxxxx in the amount of 157.50, have been erroneously excluded from the Total of Payment calculations disclosed to the borrower. Restitution in the amount of $914.53 is required, Please provided PCCD, LOE, copy of restitution check, proof of delivery to borrower, and copy of new Rescission. - Due Diligence Vendor-04/13/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $2,370,126.86. The disclosed total of payments of $2,369,212.33 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.42 Years |  | Full Review859477_xxxxxx_4_17_2026_102646_AM.zip<br> 859477_xxxxxx_859477_CD's.pdf<br> Full Review859477_xxxxxx_4_23_2026_122108_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859477 | xxxxxx | C A | Closed | xxxxxx | 2026-04-20 13:19 | 2026-04-24 12:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Invoices. - Due Diligence Vendor-04/23/2026 <br> Open-Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/22/2026 <br> Counter-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*Received PCCD. Section H contains 2 fees paid to a third party for the benefit of the lender. Lender to provide clarification and confirm who the final beneficiary of the fee is, third party or lender along with support documentation. Additionally, lender to provide supporting documentation to support that fees are optional if paid to the third party. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*Received copy of invoices for fees in question as supporting documentation that fee was paid to third party. - Due Diligence Vendor-04/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.42 Years |  | Full Review859477_xxxxxx_4_23_2026_122302_PM.zip<br> 859477_xxxxxx_EOI_invoice.pdf<br> 859477_xxxxxx_invoice.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859615 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-11 00:07 | 2026-02-12 22:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 present - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. 2/12/26 - Please see attached 1008. Manually uploaded thru xxxxxx for your review. - Buyer-02/12/2026 <br>Counter-Document Uploaded. The Fico score listed on the 1008 reflects 733 however the CBR states 713. Guidelines state: To determine a borrower(s) credit score, use the lower of two (2) or middle of three (3) credit scores. - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. No lender comment provided only attachment. - Due Diligence Vendor-02/11/2026 <br>Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/11/2026 |  | Resolved-1008 present - Due Diligence Vendor-02/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves are Greater than Guideline Minimum Months Reserves Of 8.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859615_xxxxxx_1008.pdf<br> CBR.jpg<br> 1008.jpg<br> GL .jpg<br> 1008 (14).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859615 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-11 07:29 | 2026-02-12 12:06 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Updated 1003 provided - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. No lender comment provided only attachment. - Due Diligence Vendor-02/11/2026 <br> Open-The final 1003 assets used for transaction need to be updated to reflect the pre closing balances used for the transaction (1) GIFT funds $31,000 (2) xxxxxx $240.59 (3) xxxxxx $124,358.19 (4) xxxxxx $2068.27. The remainder assets with xxxxxx $6045.84 & xxxxxx $13,106.25 are accurately shown. Total ALL UP assets verified $176,819.13 - Due Diligence Vendor-02/11/2026 |  | Resolved-Updated 1003 provided - Due Diligence Vendor-02/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves are Greater than Guideline Minimum Months Reserves Of 8.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859615_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859644 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859650 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859711 | xxxxxx | C A | Closed | xxxxxx | 2026-02-19 03:48 | 2026-02-25 11:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Assets from account xxxxxx excluded from qualifying, borrower has sufficient reserves without the use of these funds. - Due Diligence Vendor-02/25/2026 <br> Counter-The xxxxxx xxxxxx January statement provided is dated 2025 - the condition is needing the xxxxxx xxxxxx Jan 2026 - Loan closed on xxxxxx - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. 2/20/26 - please see xxxxxx statement for January - Due Diligence Vendor-02/22/2026 <br> Open-Asset 1 Expired xxxxxx Bank xxxxxx is expired. Last statement balance imaged is end date xxxxxx. Please provide updated statement showing sufficient FTC/Reserves covering a one (1) month period and dated within 120 days of the loan Note date. - Due Diligence Vendor-02/19/2026 |  | Resolved-Assets from account xxxxxx excluded from qualifying, borrower has sufficient reserves without the use of these funds. - Due Diligence Vendor-02/25/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859711_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859715 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859736 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859759 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 05:26 | 2026-02-09 05:26 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception granted with compensating factorsEXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE xxxxxx.<br> - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION REQUIRED TO USE SIGNED W-7 FORM FOR EXPIRED ITIN WITH NOTICE DATE xxxxxx.<br> - Due Diligence Vendor-02/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.25 Years | 1. DSCR 1.00 2. FICO IS 714 3. POST CLOSING RESERVES IS 24.99 MONTHS, PROGRAM REQUIRES 6 MONTHS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859759 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 05:26 | 2026-02-09 05:26 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client Exception granted with compensating factorsEXCEPTION TO USE CONSULAR ID IN LIEU OF DRIVER'S LICENSE - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO USE CONSULAR ID IN LIEU OF DRIVER'S LICENSE - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.25 Years | 1. DSCR 1.00 2. FICO IS 714 3. POST CLOSING RESERVES IS 24.99 MONTHS, PROGRAM REQUIRES 6 MONTHS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859759 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 05:25 | 2026-02-09 05:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with compensating factorsBORROWER DID NOT MEET THE MINIMUM TRADELINE REQUIREMENTS, NO ACTIVITY WITHIN THE LAST 12 MONTHS. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsBORROWER DID NOT MEET THE MINIMUM TRADELINE REQUIREMENTS, NO ACTIVITY WITHIN THE LAST 12 MONTHS. - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 714 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.25 Years | 1. DSCR 1.00 2. FICO IS 714 3. POST CLOSING RESERVES IS 24.99 MONTHS, PROGRAM REQUIRES 6 MONTHS |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859760 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 11:28 | 2026-02-09 11:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Loan modification was completed xxxxxx extending note maturity to xxxxxx. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Loan modification was completed xxxxxx extending note maturity to xxxxxx. - Due Diligence Vendor-02/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 761 FICO<br> 1x30x41 Housing history |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 859760 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 04:39 | 2026-02-09 11:21 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client Exception granted with compensating factorsVerification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. MISSING VOM - 11 MONTHS CANCELLED CHECKS PROVIDED. THE PAYOFF INCLUDED THE DEC 2025 PAYMENT. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsVerification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. MISSING VOM - 11 MONTHS CANCELLED CHECKS PROVIDED. THE PAYOFF INCLUDED THE DEC 2025 PAYMENT. - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 761 FICO<br> 1X30X41 HOUSING HISTORY. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 859760 | xxxxxx | B A | Closed | xxxxxx | 2026-02-09 04:36 | 2026-02-09 11:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsPROPERTIES WITH MORE THAN 2 ACRES ARE INELIGIBLE, SUBJECT PROPERTY HAS xxxxxx ACRES. - Due Diligence Vendor-02/09/2026 |  | Waived-Client Exception granted with compensating factorsPROPERTIES WITH MORE THAN 2 ACRES ARE INELIGIBLE, SUBJECT PROPERTY HAS xxxxxx ACRES. - Due Diligence Vendor-02/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 761 FICO<br> 1X30X41 HOUSING HISTORY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 859777 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859790 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859798 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 23:20 | 2026-03-03 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/03/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.37 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.42% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859862 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-27 17:08 | 2026-04-27 17:29 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factors - Due Diligence Vendor-04/27/2026 <br>Acknowledged-Document Uploaded. Exception granted and present - Due Diligence Vendor-02/27/2026 <br>Open-Maximum cash out $500,000 if LTV > 65% - Due Diligence Vendor-02/27/2026 |  | Acknowledged-Document Uploaded. Exception granted and present - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 91.58 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859862 xxxxxx - Cash-out exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | xxxxxx |
| 859862 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-13 14:06 | 2026-02-22 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. Please see application - Due Diligence Vendor-02/19/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-02/13/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 91.58 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859862_xxxxxx_final_application.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859896 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 859908 | xxxxxx | C A | Closed | xxxxxx | 2026-02-23 00:12 | 2026-02-26 12:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-\*\*\*\*\*\*\*Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower.<br> - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-\*\*Received ICD - Due Diligence Vendor-02/26/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.89 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Closing Disclosure (Alternate).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859950 | xxxxxx | C A | Closed | xxxxxx | 2026-03-16 02:09 | 2026-03-18 09:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lender provided documentation indicating the Appraisal was sent to the borrower via mail and sent 2/20/2026 - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. See appraisal certification - Due Diligence Vendor-03/17/2026 <br> Open-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. \*\*\*\*Unable to determine HPML compliance under 12 CFR 1026.35(c)(6)(ii)(A). Lender to provide: Evidence borrower received appraisal at least three business days prior to consummation - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 |  | Resolved-Lender provided documentation indicating the Appraisal was sent to the borrower via mail and sent 2/20/2026 - Due Diligence Vendor-03/18/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.08 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.68 Years |  | Full Review859950_xxxxxx_3_17_2026_14825_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859980 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 08:44 | 2026-04-21 18:31 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-1008 is present - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. 4/17/26 - Please see 1008 - Buyer-04/21/2026 <br> Open-Document Uploaded. - Due Diligence Vendor-04/15/2026 <br> Open-Audited Ratios are Housing 33.72% & DTI 34.40% vs Lenders 29.20%/28.883% - This is due to the 1st Lien P&I (per Mortgage statement) xxxxxx + Subject P&I $611.30 + Tax xxxxxx + HOI $246.02 + HOA $96.00 = $3,849.27 vs Lenders $3,412.30. Updated 1008 with Audited Data listed will be needed. - Due Diligence Vendor-04/15/2026 |  | Resolved-1008 is present - Due Diligence Vendor-04/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Screenshot 2026-04-15 083828.jpg<br> Screenshot 2026-04-15 084236.jpg<br> Screenshot 2026-04-15 084313.jpg<br> xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859980 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 12:40 | 2026-04-15 08:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-updated 1008 provided- Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. 4/14/26 - please see 1008 - Due Diligence Vendor-04/15/2026 <br> Open-Missing final 1008. Final 1008 in file shows P&I 671.75 Note P&I 611.30. First mortgage P&I in final 1008 shows mortgage statement amount in file #411 including Tax and Ins. Validated HOI and taxes with docs in file. - Due Diligence Vendor-04/13/2026 |  | Resolved-updated 1008 provided- Due Diligence Vendor-04/15/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 859980_xxxxxx_1008.pdf<br> 859980_xxxxxx_1008_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860034 | xxxxxx | C A | Closed | xxxxxx | 2026-03-19 16:47 | 2026-03-28 19:25 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received FCD - Due Diligence Vendor-03/28/2026 <br> Resolved- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($350.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/28/2026 <br> Ready for Review-There is no LE or CD showing lender credit of $140 which was removed. Final CD is showing a cure of $210. Investor to provide detailed clarification on the lender credit and the LE/CD which is reduced so that we can check. - Due Diligence Vendor-03/26/2026 <br> Open-\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $140. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $140 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 |  | Resolved-\*\*\*Received FCD - Due Diligence Vendor-03/28/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.07% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.37 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.36 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.36% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860034 | xxxxxx | C A | Closed | xxxxxx | 2026-03-20 09:58 | 2026-03-28 18:55 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-\*\*Received FCD - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. See corrected CD - Due Diligence Vendor-03/27/2026 <br> Open-\*\*\*\*\* Signed Final CD on file dated xxxxxx with a notary date on Deed of xxxxxx. Lender to provide correct documentation to clarify. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 |  | Resolved-\*\*Received FCD - Due Diligence Vendor-03/28/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.07% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.37 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.36 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.36% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | Full Review860034_xxxxxx_3_27_2026_10139_PM.zip<br> 860034_xxxxxx_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860071 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860073 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-21 18:18 | 2026-03-30 11:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/26/2026 <br> Open-\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-03/21/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-03/30/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 61.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 11.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860073_xxxxxx_3_25_2026_21714_PM.zip<br> 860073_xxxxxx_Initial_CD_&_CIC_Locked.pdf<br> 860073_xxxxxx_Initial_LE.pdf<br> 860073_xxxxxx_Revised_CD_&_CIC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860073 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-24 13:20 | 2026-03-30 11:12 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/26/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/24/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/30/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 61.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 11.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860073_xxxxxx_Homeownership_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860073 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-24 13:24 | 2026-03-30 11:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/30/2026 <br>Resolved-\*\*\*Received confirmation of rate lock - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/26/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/24/2026 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/30/2026 <br>Resolved-\*\*\*Received confirmation of rate lock - Due Diligence Vendor-03/30/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 61.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 11.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860073_xxxxxx_Initial_CD_&_CIC_Locked.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860073 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-21 07:14 | 2026-03-26 08:57 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-03/25/2026 <br>Open-1008/Underwriting Summary Not Provided Missing the final Uniform Underwriting and Transmittal Summary (Form 1008) - Due Diligence Vendor-03/21/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/26/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 61.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 11.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860073_xxxxxx_Loan_#860073_LDL-Report_3-2-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860094 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860138 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860160 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 12:54 | 2026-04-09 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-REO documents provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Attached! - Seller-04/09/2026 <br> Counter-Provided supporting documentation that the following properties were free and clear prior to the current Refinances. xxxxxx - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Mortgage statement not available as lien are recently closed and property previously free and clear- Attached are First payment letter - Seller-04/07/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per guidelines, a verification of mortgage (VOM) is required. VOM for the following properties are missing:<br>1. xxxxxx <br> 2. xxxxxx <br> 3. xxxxxx<br> 4. xxxxxx - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Attached! - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. Mortgage statement not available as lien are recently closed and property previously free and clear- Attached are First payment letter - Seller-04/07/2026 | Resolved-REO documents provided - Due Diligence Vendor-04/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.1% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.64 Years |  | First Payment Letter- xxxxxx.pdf<br> First Payment Letter - xxxxxx.pdf<br> Hazard Updated- xxxxxx.pdf<br> First payment letter- xxxxxx.pdf<br> HOI- xxxxxx.pdf<br> First Payment Letter- xxxxxx.pdf<br> Tax Bill- xxxxxx.pdf<br> Tax Bill-xxxxxx.pdf<br> HOi- xxxxxx.pdf<br> xxxxxx.pdf<br> First payment letter- xxxxxx.pdf<br> xxxxxx.pdf<br> xxxxxx.pdf<br> xxxxxx.pdf<br> xxxxxx- PITIA Doc, VOM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860160 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 05:36 | 2026-04-08 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy & No HOA LOE provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Attached - Seller-04/07/2026 <br> Open-Provide Insurance and HOA Document for the property located at the xxxxxx<br> - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Attached - Seller-04/07/2026<br>| Resolved-HOI Policy & No HOA LOE provided - Due Diligence Vendor-04/08/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.1% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.64 Years |  | NO HOA- xxxxxx.pdf<br> HOI- xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860160 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 05:35 | 2026-04-08 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-REO documents provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Mortgage statement not available as lien are recently closed and property previously free and clear- Attached are First payment letter - Seller-04/07/2026 <br> Open-Provide Mortgage statements of the below considered properties for verify the mortgage payments.<br> 1. xxxxxx <br> 2. xxxxxx <br> 3. xxxxxx<br> 4. xxxxxx <br>- Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Mortgage statement not available as lien are recently closed and property previously free and clear- Attached are First payment letter - Seller-04/07/2026<br>| Resolved-REO documents provided - Due Diligence Vendor-04/08/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.1% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.64 Years |  | First payment letter- xxxxxx.pdf<br> First Payment Letter- xxxxxx.pdf<br> HOI- xxxxxx.pdf<br> First Payment Letter - xxxxxx.pdf<br> Hazard Updated- xxxxxx.pdf<br> First Payment Letter- xxxxxx.pdf<br> HOi- xxxxxx.pdf<br> Tax Bill- xxxxxx.pdf<br> Tax Bill-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860234 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860242 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860245 | xxxxxx | C A | Closed | xxxxxx | 2026-03-03 06:07 | 2026-03-19 17:17 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2026 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.47 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxxxxx Revised Appraisal - xxxxxx.pdf<br> xxxxxx_SSR.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860255 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860262 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 05:53 | 2026-03-13 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-Please review the Screenshot uploaded of the Lender Income worksheet reflecting the Feb Total Deposits used. Feb Statement to verify total deposit of $305,837.63 - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Ready for Review-This is new information -"The condition is asking for Feb Statement to verify total deposit of $305,837.63". <br> There are no deposits for this amount? This is a business bank statement. 12 months were provided. Please clarify what it is you are asking for? What is needed to clear? - Seller-03/10/2026 <br> Counter-Document Uploaded. The condition is asking for Feb Statement to verify total deposit of $305,837.63 - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statement Missing for xxxxxx for the month of February 2025. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Ready for Review-This is new information -"The condition is asking for Feb Statement to verify total deposit of $305,837.63". <br> There are no deposits for this amount? This is a business bank statement. 12 months were provided. Please clarify what it is you are asking for? What is needed to clear? - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx Feb 25 Bank Statement xxxxxx.pdf<br> March Statement.jpg<br> Screenshot 2026-03-10 111758.jpg<br> xxxxxx Cash to Close.pdf<br> xxxxxx Feb Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860266 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860267 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860281 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 860297 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860307 | xxxxxx | C A | Closed | xxxxxx | 2026-03-16 05:50 | 2026-03-19 14:59 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached documents - RCE in file to support replacement cost coverage. - Seller-03/19/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached documents - RCE in file to support replacement cost coverage. - Seller-03/19/2026 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/19/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.18 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 120.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years |  | HOI dec pg info.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860317 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 08:08 | 2026-03-26 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/25/2026 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-03/18/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.20 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years |  | 860317_xxxxxx_Personal_Guranty.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860317 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 13:15 | 2026-03-24 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Overview Incomplete | Resolved-OA provided. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. 3/20/26 - please see biz docs attached. - Due Diligence Vendor-03/23/2026 <br>Open-Missing Operating agreement. - Due Diligence Vendor-03/18/2026 |  | Resolved-OA provided. - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.20 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years |  | 860317_xxxxxx_operating_agreement__xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860317 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 07:41 | 2026-03-19 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. 3/19/26 - please see UDN attached - Due Diligence Vendor-03/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Undisclosed document n file over 30 days from closing date. - Due Diligence Vendor-03/18/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.20 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 157.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years |  | 860317_xxxxxx_UDN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860337 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860342 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 17:25 | 2026-03-17 12:37 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. 3/13/26 - Please see approval attached. - Due Diligence Vendor-03/17/2026 <br> Open-1008/Underwriting Summary Partially Provided Missing final 1008 with appraised value xxxxxx. - Due Diligence Vendor-03/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/17/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | 860342_xxxxxx_860342_ldl-report_220202617723_170723.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860342 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 16:26 | 2026-03-17 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. 3/13/26 - Bank statement worksheet. - Due Diligence Vendor-03/17/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/12/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/17/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.50 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 665 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | 860342_xxxxxx_860342_income_worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860345 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 03:22 | 2026-03-25 11:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 received. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. - Seller-03/25/2026 <br>Counter-Missing Loan approval and or 1008 - Due Diligence Vendor-03/23/2026 <br>Ready for Review-UW findings not necessary on UW Broker loans - Buyer-03/20/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-1008 received. - Due Diligence Vendor-03/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.79 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860345 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 01:11 | 2026-03-23 10:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-The Initial 1003 is Missing for B1 and B2 - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.79 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 1003 - URLA - Inital - LE Package 1.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860345 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 03:00 | 2026-03-23 10:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/20/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/18/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.79 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx xxxxxx - Google Search.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860355 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860366 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860380 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860398 | xxxxxx | D A | Closed | xxxxxx | 2026-03-30 15:25 | 2026-04-08 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-LOE provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. See lox again. - Due Diligence Vendor-04/07/2026 <br> Open-Provide source of funds for deposits made into borrower's xxxxxx Account xxxxxx for $45,000 on 03/19/2026 and into xxxxxx Bank xxxxxx for $50,000 and $60,000 on 10/20/25 and $40,000 on 10/30/2025. Letter of explanation provided, is not sufficient. Per guidelines, Section 2.7.1, If personal accounts are used for assets, large deposits defined as any single deposit that represents greater than 100% of the borrower's qualifying monthly income are to be documented for a purchase transaction. Both xxxxxx Accounts are held in the borrower's personal name. - Due Diligence Vendor-03/30/2026 |  | Resolved-LOE provided - Due Diligence Vendor-04/08/2026<br>|  |  | 860398_xxxxxx_Memo_Large_Deposits_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860407 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860415 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860436 | xxxxxx | D A | Closed | xxxxxx | 2026-03-20 11:19 | 2026-04-17 16:23 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Per Client guides for ITIN 2.4.2 ITIN (11/10/2025) ID documentation is sufficient and present. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Counter-Bwr is a Non-Permanent Resident Alien, Missing Non-Permanent Resident Alien documentation - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached dl states federal limits apply - Due Diligence Vendor-04/02/2026 <br> Open-Borrower is a non-permanent resident alien. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-Per Client guides for ITIN 2.4.2 ITIN (11/10/2025) ID documentation is sufficient and present. - Due Diligence Vendor-04/17/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860436_xxxxxx_ID_card.pdf<br> xxxxxx ID card (1).pdf<br> xxxxxx IRS letter 2.pdf<br> Lock_Confirmation_860436_2.pdf<br> xxxxxx IRS Letter.pdf<br> xxxxxx on ID.pdf<br> xxxxxx ID xxxxxx.pdf<br> xxxxxx ID (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860436 | xxxxxx | D A | Closed | xxxxxx | 2026-03-19 10:51 | 2026-04-01 15:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-\*\*\*Received FCD - Due Diligence Vendor-04/01/2026 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/31/2026 <br>Counter-\*\*Document was not provided. - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Please see CD (no attachment provided) - Due Diligence Vendor-03/26/2026 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-03/19/2026 |  | Resolved-\*\*\*Received FCD - Due Diligence Vendor-04/01/2026 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/01/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx final cd (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860436 | xxxxxx | D A | Closed | xxxxxx | 2026-03-20 08:56 | 2026-04-01 15:24 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*\*Received FCD - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Document Uploaded. - Seller-03/31/2026 <br>Counter-\*\*\*Document was not provided - Due Diligence Vendor-03/30/2026 <br>Open-Missing Final Closing Disclosure - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026<br>| Resolved-\*\*\*Received FCD - Due Diligence Vendor-04/01/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx final cd (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860436 | xxxxxx | D A | Closed | xxxxxx | 2026-03-19 12:58 | 2026-03-27 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. Per guidelines, A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing. <br> • Any new tradeline with a balance must be included in determining the DTI ratio. - Due Diligence Vendor-03/19/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860436_xxxxxx_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860450 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860456 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860468 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860469 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860472 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860537 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 08:54 | 2026-04-14 12:17 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Counter-Document Uploaded. The condition is for, per the appraisal, Section 'Neighborhood" 2-4 Unit Housing trends is blank - Provide updated Appraisal with the boxes checked - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/10/2026 <br> Open-The full URAR appraisal section 2-4 Unit Housing Trends is incomplete, please provide completed section for review. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026<br>| Resolved-Updated Appraisal provided - Due Diligence Vendor-04/14/2026<br>|  |  | Full Review860546_xxxxxx_4_9_2026_45236_PM.zip<br> Screenshot 2026-04-10 091826.jpg<br> Appraisal Revised 2 (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 17:18 | 2026-04-13 14:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field Review provided - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/13/2026 <br> Counter-The Desk review exceeds the 10% variance & UCDP/SSR provided does not reflects any scores. a 3rd Party valuation to support the Appraised value of xxxxxx is required. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-Field Review provided - Due Diligence Vendor-04/13/2026<br>|  |  | 860546_xxxxxx_Appraisal_SSR_xxxxxx_Revised.pdf<br> 860546_xxxxxx_Appraisal_SSR_xxxxxx_Revised.pdf<br> 860546_xxxxxx_Appraisal_Revised.pdf<br> 860546_xxxxxx_CDA_APPRAISAL_REVIEW.pdf<br> 860546_xxxxxx_APPRAISAL_FIELD_REVIEW_BORROWER_DELIVERY.pdf<br> 860546_xxxxxx_APPRAISAL_FIELD_REVIEW_AIR_CERT.pdf<br> 860546_xxxxxx_APPRAISAL_FIELD_REVIEW_Disclosure_to_Borrower_wROV.pdf<br> 860546_xxxxxx_APPRAISAL_FIELD_REVIEW_INVOICE.pdf<br> 860546_xxxxxx_APPRAISAL_FIELD_REVIEW.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 12:17 | 2026-04-13 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/13/2026 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/13/2026 <br> Counter-Document Uploaded. Final 1003 & Lenders 1008 reflect the xxxxxx income is being included - Pleas see attached - breakdown Wage $7745.70 + Bonus $750.00 + xxxxxx $349.08 = $8844.78 for Bwr1 - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/09/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing borrower 1 proof of schedule C self employment history via business license and or CPA letter. for his second job as xxxxxx. - Due Diligence Vendor-04/08/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/13/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/13/2026<br>|  |  | 860546_xxxxxx_LOE_SCH_C_2024_1040_SIGNED.pdf<br> Screenshot 2026-04-10 092531.jpg<br> Screenshot 2026-04-10 092828.jpg<br> Updated 1008 (3).PDF<br> Uniform Residential Loan Application - Updated (1).PDF<br> Updated AUS.PDF | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 08:53 | 2026-04-10 09:17 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal photos are missing | Resolved-Appraisal photos of xxxxxx provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/10/2026 <br> Open-No photos of xxxxxx of the subject property. - Due Diligence Vendor-04/08/2026 |  | Resolved-Appraisal photos of xxxxxx provided - Due Diligence Vendor-04/10/2026 |  |  | 860546_xxxxxx_Photo_for_xxxxxx_added_on_4-9-26.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860559 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860572 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 14:14 | 2026-04-10 14:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Documentation provided indicates Lock date of xxxxxx. xxxxxx - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-Documentation provided indicates Lock date of xxxxxx. xxxxxx - Due Diligence Vendor-04/10/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.57 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | \*\*\*\*\* Please provide Lock Confirmation or other documentation to validate the APOR date required for testing. | 860572_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860600 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 06:39 | 2026-04-07 14:09 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Evidence of self employment over 2 years is present. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Self-Employed Borrowers: Existence of the borrowers business is to be verified within 90 days prior to the Note date, through one of the following: Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or Internet screenshot displaying the phone listing and address verification of the borrowers business, or A business bank statement dated within 90 days of the Note date for income used in qualification - Due Diligence Vendor-04/07/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-04/03/2026 |  | Resolved-Evidence of self employment over 2 years is present. - Due Diligence Vendor-04/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.24% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | 860600_xxxxxx_Buisness_License.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860600 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 07:05 | 2026-04-07 14:08 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Loan approval document is present - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-04/07/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/03/2026 |  | Resolved-Loan approval document is present - Due Diligence Vendor-04/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.24% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |  | 860600_xxxxxx_860600_Final_Notice_of_Loan_Approval_updated_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860600 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 06:28 | 2026-04-06 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factorsAllow Rural property on Closed End Seconds. - Due Diligence Vendor-04/06/2026 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program comp factor - Due Diligence Vendor-04/03/2026 |  | Waived-Client Exception granted with compensating factorsAllow Rural property on Closed End Seconds. - Due Diligence Vendor-04/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.24% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Residual Income Residual income more than 2.5x the amount required by guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 02:15 | 2026-04-02 12:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received disclosures - Due Diligence Vendor-04/02/2026 <br> Counter-CD issued xxxxxx, page 1 shows an interest rate of 0.00%. Lender to clarify and provide CD with actual rate that was provided to the borrower. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. Please see lock - Due Diligence Vendor-03/27/2026 <br> Counter-\*\*Received documents indicating the rate lock date of xxxxxx. Revised LE issued xxxxxx shows a loan amount change but missing the locked rate information. Lender to clarify and provide documentation evidencing document delivery to the borrower. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br> Open-Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received disclosures - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860606_xxxxxx_COC_LE_xxxxxx.pdf<br> Full Review860606_xxxxxx_3_27_2026_15920_PM.zip<br> 860606_xxxxxx_Audit_Log_COC_LE_xxxxxx.pdf<br> 860606_xxxxxx_Lock-In_Agreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 01:59 | 2026-04-02 12:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received sspl - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Counter-CD issued xxxxxx, page 1 shows an interest rate of 0.00%. Lender to clarify and provide CD with actual rate that was provided to the borrower. - Due Diligence Vendor-03/31/2026 <br> Counter-\*\*Received documents indicating the rate lock date of xxxxxx. Revised LE issued xxxxxx shows a loan amount change but missing the locked rate information. Lender to clarify and provide documentation evidencing document delivery to the borrower. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received sspl - Due Diligence Vendor-04/02/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 01:59 | 2026-04-02 12:12 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received sspl - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. ICD was issued xxxxxx and shows a rate of 7.875. Borrower executed same. - Due Diligence Vendor-04/02/2026 <br> Counter-CD issued xxxxxx, page 1 shows an interest rate of 0.00%. Lender to clarify and provide CD with actual rate that was provided to the borrower. - Due Diligence Vendor-03/31/2026 <br> Counter-\*\*Received documents indicating the rate lock date of xxxxxx. Revised LE issued xxxxxx shows a loan amount change but missing the locked rate information. Lender to clarify and provide documentation evidencing document delivery to the borrower. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received sspl - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860606_xxxxxx_4_1_2026_52523_PM.zip<br> 860606_xxxxxx_Signed_ICD_xxxxxx_00156.pdf_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 01:59 | 2026-04-02 12:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received sspl - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Counter-CD issued xxxxxx, page 1 shows an interest rate of 0.00%. Lender to clarify and provide CD with actual rate that was provided to the borrower. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/27/2026 <br> Counter-\*\*Received documents indicating the rate lock date of xxxxxx. Revised LE issued xxxxxx shows a loan amount change but missing the locked rate information. Lender to clarify and provide documentation evidencing document delivery to the borrower. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($5,276.00) exceed the comparable charges ($4,525.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 | please see attached proof of delivery - 03/27/2026 <br>| Resolved-\*\*Received sspl - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review860606_xxxxxx_3_20_2026_43829_PM.zip<br> 860606_xxxxxx_COC_LE.pdf<br> 860606_xxxxxx_COC_LE_xxxxxx.pdf<br> 860606_xxxxxx_Signed_ICD_xxxxxx.pdf.pdf<br> Full Review860606_xxxxxx_3_27_2026_15812_PM.zip<br> 860606_xxxxxx_Audit_Log_COC_LE_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 01:55 | 2026-03-26 20:01 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-\*\*Received - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Home Counseling - Due Diligence Vendor-03/23/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860606_xxxxxx_Home_Counsling.pdf<br> 860606_xxxxxx_Home_Counsling_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 02:14 | 2026-03-26 20:01 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*Received - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br> Open-Application Date is xxxxxx, Service Provider List is not provided within 3 business days of application.<br> - Due Diligence Vendor-03/16/2026 |  | Resolved-\*\*Received - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860606_xxxxxx_SSPL_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 20:58 | 2026-03-26 20:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-\*\*Received - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*Received - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860606_xxxxxx_lock_in.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860606 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 21:17 | 2026-03-24 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-03/23/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/14/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 860606_xxxxxx_Bank_Statement_Calculator_-_V2.2_(3)_4.22.2024__xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860617 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860619 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 05:18 | 2026-03-11 18:29 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx First Lien Prohibited Fees Test | Resolved-\*\*Lender refunded fee; received refund package. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the first lien prohibited fees test. (xxxxxx S.A. §17:11C-74, xxxxxx A.C. §§3:1-16.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. 3/10/26 - please see attached cure docs. - Due Diligence Vendor-03/10/2026 <br> Open-This loan failed the first lien prohibited fees test. (xxxxxx S.A. §17:11C-74, xxxxxx A.C. §§3:1-16.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points\*\*\*\*\*\*\*\*\*\*\*\*\* xxxxxx Registration Fee paid by Borrower: $24.95. This fee either cannot be charged or must be paid by "lender or other" rather than borrower. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-\*\*Lender refunded fee; received refund package. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | Full Review860619_xxxxxx_3_10_2026_14709_PM.zip<br> 860619_xxxxxx_cure_docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860619 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-04 02:32 | 2026-03-08 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-CPA letter/equivalent provided- Due Diligence Vendor-03/08/2026 <br> Ready for Review-Document Uploaded. 3/6/26 - please see attached Tax Professional Attestation - Due Diligence Vendor-03/07/2026 <br> Open-Borrower 1 CPA Letter Missing Provide CPA Letter for Business " xxxxxx LLC xxxxx", with all required Information. - Due Diligence Vendor-03/04/2026 |  | Resolved-CPA letter/equivalent provided- Due Diligence Vendor-03/08/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | 860619_xxxxxx_CPA_letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860623 | xxxxxx | D A | Closed | xxxxxx | 2026-04-09 04:24 | 2026-04-16 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI and HOA for second home provided - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. See attached proof of HOA and HOI - Due Diligence Vendor-04/15/2026 <br> Open-HOA/Insurance is missing for xxxxxx - Due Diligence Vendor-04/09/2026 |  | Resolved-HOI and HOA for second home provided - Due Diligence Vendor-04/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |  | 860623_xxxxxx_hoa.pdf<br> 860623_xxxxxx_HOI_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860633 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860651 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 06:12 | 2026-03-30 15:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Received evidence of appraisal delivery; loan is HPML Compliant - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Appraisal Acknowledgment showing date received attached - Due Diligence Vendor-03/26/2026 <br>Open-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. \*\*\*\*Unable to determine HPML compliance under 12 CFR 1026.35(c)(6)(ii)(A). Lender to provide: Evidence borrower received appraisal at least three business days prior to consummation - Due Diligence Vendor-03/24/2026 <br>Open- - Due Diligence Vendor-03/24/2026 <br>Open- - Due Diligence Vendor-03/24/2026 <br>Open- - Due Diligence Vendor-03/22/2026 |  | Resolved-Received evidence of appraisal delivery; loan is HPML Compliant - Due Diligence Vendor-03/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.21 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.20 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.44 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.52% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 860651_xxxxxx_appr_acknowledgment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860729 | xxxxxx | B A | Closed | xxxxxx | 2026-02-10 05:32 | 2026-02-15 06:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Credit | Missing final closing disclosure/settlement statement/equivalent | Resolved-Signed Final HUD provided - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-Missing FCD or settlement statement for subject property. FCD in file is for other xxxxxx loan closed on primary about the same day. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Signed Final HUD provided - Due Diligence Vendor-02/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years |  | FINAL Borrower Statement- unsigned - refund of Endorsements.pdf<br>Final Refi Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860729 | xxxxxx | B A | Closed | xxxxxx | 2026-02-10 05:29 | 2026-02-10 05:35 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Client Exception granted with compensating factorsLender exception for not sourcing large deposits on refi transactions. - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factorsLender exception for not sourcing large deposits on refi transactions. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years | DTI < 26%<br> FICO 742<br> Post closing reserves > 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860729 | xxxxxx | B A | Closed | xxxxxx | 2026-02-10 05:28 | 2026-02-10 05:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Lender exception for exceeding 70% LTV on PNL cash out investment transactions. - Due Diligence Vendor-02/10/2026 |  | Waived-Client Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Lender exception for exceeding 70% LTV on PNL cash out investment transactions. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years | DTI < 36%<br> FICO 742<br> Post closing reserves > 6 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-26 20:37 | 2026-04-17 13:49 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/17/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/16/2026 <br> Counter-\*\*Lender credits intended as a cure cannot decrease - Once disclosed, It is independent of any fee, whether triggering or otherwise, that may be subsequently reduced or re-baselined due to a valid change of circumstance. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached COC - Buyer-04/08/2026 <br> Counter-\*\*Received COC related to the Discount Points increase. The lender provided a credit in section J specifically intended to cure an increase in CD issued xxxxxx and removed in the Final CD. Once a lender has disclosed a lender credit intended to cure, it cannot decrease. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/02/2026 <br> Counter-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($122.01). 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). \*\*\*Received ICD, updated compliance test resulted in additional finding. The lender provided a credit in section J specifically intended to cure an increase. Lender credit of $122.01 matches that of the Discount Points fee added in Section J of $122.01. The fee increased again in the Final CD and the lender credit removed. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/17/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/17/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | Full Review860739_xxxxxx_4_1_2026_35154_PM.zip<br> 860739_xxxxxx_Changed_Circumstances.pdf<br> xxxxxx_Changed Circumstances.pdf<br> PCCD - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-19 12:10 | 2026-04-03 08:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached HOI. - Due Diligence Vendor-04/02/2026 <br> Counter-Lenders 1008 reflects Supplement Insurance for xxxxxx per month however that policy is missing from the Loan file. Please provide. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br> Open-Missing Hazard Insurance Policy Missing Homeowner's Insurance and Supplemental Property Insurance for subject property. - Due Diligence Vendor-03/19/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/03/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | 860739_xxxxxx_HOI.pdf<br> 860739_xxxxxx_EOI_-_CA_Fair_Plan.pdf<br> 860739_xxxxxx_EOI_-_CA_Fair_Plan_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-19 14:35 | 2026-04-02 09:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosure and COC - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/02/2026 <br> Counter-\*\*\*Received ICD, updated compliance test resulted in additional finding. The lender provided a credit in section J specifically intended to cure an increase. Lender credit of $122.01 matches that of the Discount Points fee added in Section J of $122.01. The fee increased again in the Final CD and the lender credit removed. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br> Open-\*\*\*\*\*\* Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~ Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/19/2026 |  | Resolved-\*\*Received missing disclosure and COC - Due Diligence Vendor-04/02/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | 860739_xxxxxx_Initial_CD.pdf<br> Full Review860739_xxxxxx_4_1_2026_35252_PM.zip<br> 860739_xxxxxx_Changed_Circumstances.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-26 20:37 | 2026-04-02 09:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/02/2026 <br> Counter-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $305.76.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). \*\*\*Received ICD, updated compliance test resulted in additional finding. The lender provided a credit in section J specifically intended to cure an increase. Lender credit of $122.01 matches that of the Discount Points fee added in Section J of $122.01. The fee increased again in the Final CD and the lender credit removed. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-04/02/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | Full Review860739_xxxxxx_4_1_2026_35358_PM.zip<br> 860739_xxxxxx_Changed_Circumstances.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-26 20:37 | 2026-04-02 09:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/02/2026 <br> Counter-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Received ICD, updated compliance test resulted in additional finding. The lender provided a credit in section J specifically intended to cure an increase. Lender credit of $122.01 matches that of the Discount Points fee added in Section J of $122.01. The fee increased again in the Final CD and the lender credit removed. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-04/02/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | Full Review860739_xxxxxx_4_1_2026_35512_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-26 20:37 | 2026-04-02 09:42 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/02/2026 <br> Counter-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*Received ICD, updated compliance test resulted in additional finding. The lender provided a credit in section J specifically intended to cure an increase. Lender credit of $122.01 matches that of the Discount Points fee added in Section J of $122.01. The fee increased again in the Final CD and the lender credit removed. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-04/02/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | Full Review860739_xxxxxx_4_1_2026_35606_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860739 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-19 11:59 | 2026-03-24 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/23/2026 <br> Open-Title Document is missing for subject property. - Due Diligence Vendor-03/19/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/24/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.61 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 19.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.72% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | 860739_xxxxxx_Title_Prelim.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860743 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-06 03:06 | 2026-04-14 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. 4/13/26 - Please see attached gap credit - Due Diligence Vendor-04/13/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 860743_xxxxxx_Gap_Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860743 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-07 17:45 | 2026-04-10 14:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: This loan closed vested as an Entity on a Non QM consumer loan - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Client is approving an exception to eligibility criteria. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Credit Score 30+ points > minimum required - Buyer-04/10/2026 <br> Open-Entity closings are only eligible under Business Purpose loan product. This loan closed vested as an Entity on a Non QM consumer loan. An exception is required under xxxxxx program guides. - Due Diligence Vendor-04/07/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: This loan closed vested as an Entity on a Non QM consumer loan - Due Diligence Vendor-04/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 | Compensating Factor 1 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 3 - Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 860743 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-06 17:11 | 2026-04-09 13:50 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI | Resolved-12 months payment history provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. 4/9/26 - manually uploaded docs thru xxxxxx for xxxxxx review. Please see attached to clear. - Buyer-04/09/2026 <br> Counter-unable to open zip file, please reupload - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. 4/8/26 - Please see attached to clear - Due Diligence Vendor-04/09/2026 <br> Open-ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI Provide 12 months canceled checks that other party pays the xxxxxx auto loan account xxxxxx per final 1003 for $580 per month. The debt was excluded on final 1003 but no verification in file to support. - Due Diligence Vendor-04/06/2026 |  | Resolved-12 months payment history provided - Due Diligence Vendor-04/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.14 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | Full Review860743_xxxxxx_4_8_2026_60203_PM.zip<br> xxxxxx Liabilities Condition (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860744 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860747 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-13 11:50 | 2026-04-16 10:35 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/16/2026 <br> Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/16/2026 <br> Resolved- - Due Diligence Vendor-04/16/2026 <br> Ready for Review-4/15/26 - Please see attached PCCD with refund. - Buyer-04/15/2026 <br> Counter-For remediation: <br> Restitution in the amount of $814.10, PCCD, LOE and proof of mailing.<br> - Due Diligence Vendor-04/10/2026 <br> Counter-\*\*Received confirmation that the lender does not send out the Attorney Preference disclosure. In xxxxxx, lenders are required to provide a "Notice of Right to Select Attorney" disclosure to the borrower. Attorney fee was paid to provider from SSPL and was placed in Section H, excluding it from the lender's finance charge calculation leading to the understatement. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. 3/18/26 - please see xxxxxx. - Due Diligence Vendor-03/19/2026 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $814.10. Fees included in testing are Mortgage Broker Fee paid by<br> Borrower:<br> $15,600.00<br> Application Fee paid by Borrower: $1,500.00<br> Underwriting Fee paid by Borrower: $1,630.00<br> Flood Certification - Single Charge<br> or Life of Loan paid by Borrower:<br> $6.50<br> xxxxxx Registration Fee paid by<br> Borrower:<br> $24.95<br> Tax Service Fee paid by Borrower: xxxxxx<br> Courier / Messenger Fee paid by<br> Borrower:<br> $100.00<br> Settlement or Closing Fee paid by<br> Borrower:<br> $50.00<br> Recording Service Fee paid by<br> Borrower:<br> $50.00<br> Prepaid Interest paid by Borrower: $297.92<br> Attorney's Fee (Closing Agent<br> Only) paid by Borrower:<br> $2,495.00 - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 |  | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/16/2026 <br>Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | Full Review860747_xxxxxx_3_18_2026_60251_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860747 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-13 06:46 | 2026-04-16 10:35 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. 4/15/26 - Please see attached PCCD with refund. - Buyer-04/15/2026 <br> Counter-For remediation: <br> Restitution in the amount of $814.10, PCCD, LOE and proof of mailing. - Due Diligence Vendor-04/10/2026 <br> Counter-\*\*Received confirmation that the lender does not send out the Attorney Preference disclosure. In xxxxxx, lenders are required to provide a "Notice of Right to Select Attorney" disclosure to the borrower. Attorney fee was paid to provider from SSPL and was placed in Section H, excluding it from the lender's finance charge calculation leading to the understatement. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-3/18/26 - Lender's response: Please waive. We don't have an Attorney Preference letter go out with our disclosures. - Due Diligence Vendor-03/19/2026 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-03/13/2026 |  | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | PCCD (19).pdf<br> 860747_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860760 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860780 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 04:25 | 2026-04-09 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached gap report. - Due Diligence Vendor-04/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.47 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.47 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |  | 860780_xxxxxx-Credit_Report_-_Refreshed.pdf<br> 860780_xxxxxx-Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860780 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 04:25 | 2026-04-09 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached gap report. - Due Diligence Vendor-04/09/2026 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.47 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.47 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |  | 860780_xxxxxx-Credit_Report.pdf<br> 860780_xxxxxx-Credit_Report_-_Refreshed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860814 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 07:26 | 2026-03-19 11:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached approval - Due Diligence Vendor-03/18/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/17/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.42 Years |  | 860814_xxxxxx_860814_xxxxxx_Final_LDL_3-5-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860831 | xxxxxx | C A | Closed | xxxxxx | 2026-03-31 14:44 | 2026-04-15 07:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. 4/14/26 - please see 1008 as requested. - Buyer-04/14/2026 <br> Counter-Provide updated 1008 adding Bw1 Income of $12,856.88 and Audited housing/DTI ratios 30.17%/34.23% due to the addition of Bw1 income. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. 4/8/26 - Please see attached updated 1003 and supporting income docs to add xxxxxx Schedule C averaged over 2 years to get DTI to go back down to 50%. Please review and update accordingly. - Due Diligence Vendor-04/08/2026 <br> Open-Audited DTI of 61.45% exceeds Guideline DTI of 50% The DTI variance is due to lender not included both borrower's primary housing expense. Borrower 2 primary housing expense is $4,043.51 plus Mortgage Statement Present in Pg# 836 and Borrower 1 has different primary with primary housing payment of $4,712.26 totaling primary housing expense if $8,755.77 per month. The final 1008 and approval only included primary housing expense of $4,043.51. - Due Diligence Vendor-03/31/2026 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 180.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | Full Review860831_xxxxxx_4_8_2026_123437_PM.zip<br> 1008 1.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860836 | xxxxxx | C A | Closed | xxxxxx | 2026-01-20 12:53 | 2026-01-27 07:45 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Enhanced Desk review provided - Lender used the value of the Field review xxxxxx for LTV calculations. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. The value used for LTV calculation is from Field Review (xxxxxx). Appraised value and ValReview has value of xxxxxx 2nd appraisal is no longer required since we already have field review, and we are using the lower value.There's no NSF or Overdraft fees charged to the account, additionally, borrower maintained daily balance of $35,000 for all months • The account is linked to xxx xxxxxx, there are amounts being credited to the account whenever there are negative balances to maintain the $35,000 daily balance there are NSF must be cleared…<br>- Seller-01/26/2026 <br> Counter-The condition is for a 2nd Full Appraisal as the Field review exceeds the -10% tolerance (actual amount -19.30%) and the CU and LCA provided are greater than 2.5. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-• There's no NSF or Overdraft fees charged to the account, additionally, borrower maintained daily balance of $35,000 for all months<br> • The account is linked to xxx xxxxxx, there are amounts being credited to the account whenever there are negative balances to maintain the $35,000 daily balance<br>- Seller-01/21/2026 <br> Counter-The condition is for a 2nd Full Appraisal as the Field review exceeds the -10% tolerance (actual amount -19.30%) and the CU and LCA provided are greater than 2.5. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-Field review provided is greater than the -10% tolerance (actual amount -19.30%). CU and LCA provided are greater than 2.5. Provide second appraisal. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. The value used for LTV calculation is from Field Review (xxxxxx). Appraised value and ValReview has value of xxxxxx, 2nd appraisal is no longer required since we already have field review, and we are using the lower value.There's no NSF or Overdraft fees charged to the account, additionally, borrower maintained daily balance of $35,000 for all months • The account is linked to xxx xxxxxx, there are amounts being credited to the account whenever there are negative balances to maintain the $35,000 daily balance there are NSF must be cleared…<br>- Seller-01/26/2026 <br> Ready for Review-• There's no NSF or Overdraft fees charged to the account, additionally, borrower maintained daily balance of $35,000 for all months<br> • The account is linked to xxx xxxxxx, there are amounts being credited to the account whenever there are negative balances to maintain the $35,000 daily balance<br>- Seller-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 | Resolved-Enhanced Desk review provided - Lender used the value of the Field review xxxxxx for LTV calculations. - Due Diligence Vendor-01/27/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.09 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | FIELD REVIEW.pdf<br>ValReview.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860853 | xxxxxx | C A | Closed | xxxxxx | 2026-03-23 17:40 | 2026-03-30 14:55 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-\*\*\*Received disclosure tracking information - Due Diligence Vendor-03/30/2026 <br> Resolved- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. 3/25/26 - Lender response: The revised CD was electronically delivered via DocuSign on xxxxxx at 6:31 PM ET, as supported by the DocuSign audit trail. This satisfies the requirement that the borrower receive the corrected Closing Disclosure on or before consummation. No new waiting period was required, and delivery occurred more than three days prior to closing. - Due Diligence Vendor-03/26/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 |  | Resolved-\*\*\*Received disclosure tracking information - Due Diligence Vendor-03/30/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 25.34% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  | Full Review860853_xxxxxx_3_25_2026_31241_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860879 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860880 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 15:04 | 2026-05-04 15:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsexception granted to allow investor concentration that exceeds guideline maximum - Due Diligence Vendor-05/04/2026 <br>Open-Investor concentration exceeds 60% (95%). - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsexception granted to allow investor concentration that exceeds guideline maximum - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.95 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.72 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.50 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 860882 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860935 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860936 | xxxxxx | C A | Closed | xxxxxx | 2026-03-28 16:29 | 2026-03-28 16:30 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/28/2026 <br>Open- - Due Diligence Vendor-03/28/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.76% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.63 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.74 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860936 | xxxxxx | C A | Closed | xxxxxx | 2026-03-19 23:06 | 2026-03-25 19:42 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the Final SS and Post Consummation CD showing the loan disbursement on xxxxxx. xxxxxx - Seller-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cancelation date xxxxxx, please provide PCCD with the updated disbursement date after cancel date. xxxxxx. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached the Final SS and Post Consummation CD showing the loan disbursement on xxxxxx. xxxxxx - Seller-03/23/2026 | Resolved-Received PCCD - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.76% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.63 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.74 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860941 | xxxxxx | C A | Closed | xxxxxx | 2026-03-12 05:16 | 2026-03-13 10:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/13/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/13/2026<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.16 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.94 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860945 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860948 | xxxxxx | C A | Closed | xxxxxx | 2026-03-10 18:10 | 2026-03-12 23:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date on xxxxxx. xxxxxx - Seller-03/12/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date on xxxxxx. xxxxxx - Seller-03/12/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/13/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.32 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.22 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860956 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860969 | xxxxxx | D A | Closed | xxxxxx | 2026-04-09 17:49 | 2026-04-14 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Award Letter Missing | Resolved-Borrower 1 Award Letter Resolved - Due Diligence Vendor-04/14/2026 <br>Ready for Review-Document Uploaded. Please see award letter - Due Diligence Vendor-04/13/2026 <br>Open-Borrower 1 Award Letter Missing Social Security Award Letter missing at time of review. Please provide documentation to support income used of $1,965.60 per month. - Due Diligence Vendor-04/09/2026 |  | Resolved-Borrower 1 Award Letter Resolved - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 57.89% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.27 Years |  | 860969_xxxxxx_Award_letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860990 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860995 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 861001 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861003 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-13 11:04 | 2026-03-18 15:07 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Final 1003, all pages. - Due Diligence Vendor-03/17/2026 <br> Open-The Final 1003 is Not Executed Missing 1003 final pages, 5, 7 & 8 of 8 pages and provide with executed copy. - Due Diligence Vendor-03/13/2026 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-03/18/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861003_xxxxxx_all_1003_pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861003 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-13 11:23 | 2026-03-13 13:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived-Client Exception granted with compensating factors - Non-Arm's Length Transaction through an auction sale includes an appraisal indicating minor deferred maintenance that has been resolved through a 1004D final inspection. Nature of sale is ineligible per guideline.- Due Diligence Vendor-03/13/2026 |  | Waived-Client Exception granted with compensating factors - Non-Arm's Length Transaction through an auction sale includes an appraisal indicating minor deferred maintenance that has been resolved through a 1004D final inspection. Nature of sale is ineligible per guideline. - Due Diligence Vendor-03/13/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.62 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | 1) Self-employed for > 5 years<br> 2) Credit Score 30+ points > minimum required<br> 3) DTI <= 40% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-23 05:20 | 2026-03-31 12:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-\*Received confirmation of the application date. - Due Diligence Vendor-03/31/2026 <br> Counter-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx. The URLA provided only indicates the date the Loan Officer Acknowledged the application. Additionally the HOC and SPL provided in other conditions are dated prior to the LO signature date on the URLA. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please find the Initial 1003 uploaded. xxxxxx! - Seller-03/27/2026 <br> Open-Documentation provided does not include confirmation of the borrower's application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please find the Initial 1003 uploaded. xxxxxx! - Seller-03/27/2026<br>| Resolved-\*Received confirmation of the application date. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 1003 INITIAL URLA (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-23 05:13 | 2026-03-31 12:09 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*Received disclosure. - Due Diligence Vendor-03/31/2026 <br> Counter-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx. The URLA provided only indicates the date the Loan Officer Acknowledged the application. Additionally the HOC and SPL provided in other conditions are dated prior to the LO signature date on the URLA. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Seller-03/27/2026 <br> Open-Service Provider List document is Missing - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/27/2026<br>| Resolved-\*Received disclosure. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 2015 Settlement Service Provider List.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-23 05:13 | 2026-03-31 12:09 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-\*Received disclosure. - Due Diligence Vendor-03/31/2026 <br> Counter-Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx. The URLA provided only indicates the date the Loan Officer Acknowledged the application. Additionally the HOC and SPL provided in other conditions are dated prior to the LO signature date on the URLA. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2026 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/24/2026 |  | Resolved-\*Received disclosure. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Homeownership Counseling Organization List.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:41 | 2026-03-26 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please find attached documents. xxxxxx! - Due Diligence Vendor-03/26/2026 <br> Counter-Missing wire/Proof of Gift funds iao of $40K sent to title/escrow agent. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find Gift Letter uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Asset 3 Missing Provide a Gift latter - Due Diligence Vendor-03/21/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_1&2_-_ECERT_-_Gift_Letters.pdf<br> 861006_xxxxxx_Gift_Letter_-_CASH_TO_CLOSE_(UPDATED).pdf<br> 861006_xxxxxx_Donor's_BS.pdf<br> 861006_xxxxxx_Donor's_Fund.pdf<br> 861006_xxxxxx_transaction_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:34 | 2026-03-26 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find statement uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Asset 2 Missing Provide a bank statement for xxxxxx account xxxxxx - Due Diligence Vendor-03/21/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_-160K_Credit_(1)_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:34 | 2026-03-26 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find statement uploaded. Pls note the xxxxxx is the Employee #. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Asset 1 Missing Provide a bank statement for xxxxxx account xxxxxx. - Due Diligence Vendor-03/21/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_401K_-_Reserve_12.31.25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-25 12:40 | 2026-03-26 09:11 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see the CDA uploaded. xxxxxx! - Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/25/2026 |  | Resolved-CDA provided - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_RDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:01 | 2026-03-26 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find uploaded the HOA Questionnaire! xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/21/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_COI_-_HOA.pdf<br> 861006_xxxxxx_Email_from_HOA_management_company.pdf<br> 861006_xxxxxx_Form_1076_-_Condo_Project_Questionnaire_updated_(3).pdf<br> 861006_xxxxxx_welcome_package_-_HOA_docs__(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:01 | 2026-03-26 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find the Purchase Contract uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-03/21/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_PURCHASE_CONTRACT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:39 | 2026-03-25 15:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find the UW approval uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/21/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_861006_FINAL_ldl-report_317202695348_095348.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:15 | 2026-03-25 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find W2(s) uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-03/21/2026 |  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_2025_W2.pdf<br> 861006_xxxxxx_2024_W2_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:15 | 2026-03-25 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find uploaded Income Worksheets. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/21/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_Income_Calc_1.pdf<br> 861006_xxxxxx_Income_Calc_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:15 | 2026-03-25 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find Paystub(s) uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-03/21/2026 |  | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_Paystub_02.06.26.pdf<br> 861006_xxxxxx_Paystub_02.20.26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:08 | 2026-03-25 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find the Fraud Report uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/21/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_Updated_Fraud_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 16:53 | 2026-03-25 15:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find the Title uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Title Document is missing - Due Diligence Vendor-03/21/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_PR.pdf<br> 861006_xxxxxx_PR_(1).pdf<br> 861006_xxxxxx_Email_from_title_(1).pdf<br> 861006_xxxxxx_Email_from_title_2_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 16:46 | 2026-03-25 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find the initial 1003. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-The Initial 1003 is Missing - Due Diligence Vendor-03/21/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_1003_INITIAL_URLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:06 | 2026-03-25 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find attached. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-03/21/2026 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_9-_HOI_RCE.pdf<br> 861006_xxxxxx_Dec_page_(1).pdf<br> 861006_xxxxxx_DECLARATION+EFFECTIVE+xxxxxx_52+PM.pdf<br> 861006_xxxxxx_9-_HOI_Dec.pdf<br> 861006_xxxxxx_Updated_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:06 | 2026-03-25 15:10 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-03/25/2026 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Missing HO-6 Master Insurance Policy - Due Diligence Vendor-03/21/2026 |  | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:06 | 2026-03-25 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/25/2026 <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-03/21/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861006 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 17:06 | 2026-03-25 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please find the Flood Cert uploaded. xxxxxx! - Due Diligence Vendor-03/25/2026 <br> Open-Missing Flood Certificate - Due Diligence Vendor-03/21/2026 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.89% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | 861006_xxxxxx_Flood_Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861010 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 861076 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861084 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 09:36 | 2026-04-09 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-04/09/2026 <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-03/31/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 282.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.39 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.76 Years |  | 861084_xxxxxx-H06_Insurance-xxxxxx.pdf<br> 861084_xxxxxx-HOA_Master_Insurance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861084 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 09:36 | 2026-04-09 11:58 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-04/09/2026 <br> Ready for Review-See attached HOI - Due Diligence Vendor-04/09/2026 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name - Due Diligence Vendor-03/31/2026 |  | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 282.86 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.39 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.76 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861110 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861121 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861127 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861128 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861138 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 861146 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-26 12:54 | 2026-03-26 12:55 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026 <br> Open-EXCEPTION FOR BORROWER xxxxxx DOES NOT HAVE UNEXPIRED PASSPORT - Due Diligence Vendor-03/26/2026 |  | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.64 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.08 Years | STRONG FICO; POST CLOSING RESERVES OF 10.64 MONTHS, PROGRAM REQUIRES 4 MONTHS; |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861146 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-26 12:51 | 2026-03-26 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026 <br> Open-344.058% PAYMENT SHOCK EXCEEDS THE MAX ALLOWED OF 300% - Due Diligence Vendor-03/26/2026 |  | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.64 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.08 Years | STRONG FICO; POST CLOSING RESERVES OF 10.64 MONTHS, PROGRAM REQUIRES 4 MONTHS; |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861146 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-26 12:48 | 2026-03-26 12:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026 <br> Open-Audited DTI of 49.4% exceeds Guideline DTI of 43% Max DTI 43% for living rent free. - Due Diligence Vendor-03/26/2026 |  | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.64 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.08 Years | STRONG FICO; POST CLOSING RESERVES OF 10.64 MONTHS, PROGRAM REQUIRES 4 MONTHS; |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861146 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-26 12:48 | 2026-03-26 12:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-03/26/2026 |  | Waived-Client Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.64 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.08 Years | STRONG FICO; POST CLOSING RESERVES OF 10.64 MONTHS, PROGRAM REQUIRES 4 MONTHS; |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861151 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 03:52 | 2026-03-06 03:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsEXCEPTION FOR CONDITION RATING OF C4. PER UAD GUIDELINES, NOT ELIGIBLE FOR FINANCING. Per appraisal - No updates in the prior 15 years;The dwelling has been adequately maintained. All major building components have been adequately maintained and are functionally adequate - Due Diligence Vendor-03/06/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION FOR CONDITION RATING OF C4. PER UAD GUIDELINES, NOT ELIGIBLE FOR FINANCING. Per appraisal - No updates in the prior 15 years;The dwelling has been adequately maintained. All major building components have been adequately maintained and are functionally adequate - Due Diligence Vendor-03/06/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 49.14% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 27.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 22.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 27.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 45.17 Years | 1. DTI IS 22.364% 2. LTV IS 55.129% 3. RESERVE AFTER CLOSING IS 27.79 MONTHS, PROGRAM DOES NOT REQUIRE RESERVES. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861151 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 03:39 | 2026-03-06 03:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factorsAudited FICO of 645 is less than Guideline FICO of 660 645 FICO DOES NOT MEET THE MINIMUM REQUIREMENT OF 660. - Due Diligence Vendor-03/06/2026 |  | Waived-Client Exception granted with compensating factorsAudited FICO of 645 is less than Guideline FICO of 660 645 FICO DOES NOT MEET THE MINIMUM REQUIREMENT OF 660. - Due Diligence Vendor-03/06/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 49.14% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 27.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 22.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 27.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 45.17 Years | 1. DTI IS 22.364% 2. LTV IS 55.129% 3. RESERVE AFTER CLOSING IS 27.79 MONTHS, PROGRAM DOES NOT REQUIRE RESERVES. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861152 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-10 14:31 | 2026-03-12 10:27 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/11/2026 <br> Open-Loan file shows UCDP/SSR (CU & LCA) with no scores. Desk review required by Guidelines - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-03/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.84 Years |  | CCA_OTHER APPRAISAL REVIEW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861152 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-10 07:46 | 2026-03-10 14:29 | Waived | 2 - Non-Material B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factorsApproved EXCEPTION FOR CONDITION RATING OF C4. PER UAD GUIDELINES, NOT ELIGIBLE FOR FINANCING on page #418 - Appraiser confirms - no recent updates leading to C4 rating. - Due Diligence Vendor-03/10/2026 |  | Waived-Client Exception granted with compensating factorsApproved EXCEPTION FOR CONDITION RATING OF C4. PER UAD GUIDELINES, NOT ELIGIBLE FOR FINANCING on page #418 - Appraiser confirms - no recent updates leading to C4 rating. - Due Diligence Vendor-03/10/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.85% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.84 Years | 1. DTI IS 8.697% 2. LTV 53.847% 3. POST CLOSING RESERVE OF 36.30 MONTHS, NO RESERVE REQUIRED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861157 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861170 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:07 | 2026-03-23 14:41 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. <br> - Buyer-03/20/2026 <br> Open-Required Affiliated Business Disclosure Missing \*\*\*\* Documentation provided does not include any Initial Disclosures. Fees(if any) paid to affiliates cannot be determined for accurate Compliance Testing - Due Diligence Vendor-03/12/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | All Disclosures.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:10 | 2026-03-23 14:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Initial Disclosure Package | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. uploaded - Seller-03/19/2026 <br> Open-\*\*\*\* Documentation provided does not include any Initial Disclosures. \*\*\*\*\*\*\* Please provide entire initial disclosure package, issued within 3 days of xxxxxx application date, for review - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. uploaded - Seller-03/19/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 1003 - URLA - Inital - LE Package #1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:20 | 2026-03-23 14:41 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-all disclosures uploaded to a different condition - Buyer-03/20/2026 <br> Open-\*\*\*\* Final Closing Disclosure, Section B, Lines 01 & 05: Payee information has not been completed. Please provide supporting documentation to confirm that these fees are not being retained by the Lender and are therefore not in violation of Section B requirements. Documentation should clearly demonstrate that the listed fees are being properly paid to third-party service providers and are not included in the Lender's compensation. - Due Diligence Vendor-03/12/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:31 | 2026-03-23 14:41 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-should be in disclosures that were just uploaded to another condition - Seller-03/20/2026 <br> Open-\*\*\*\* Documentation provided does not include any Initial Disclosures. TPR unable to determine 10% testing baseline - Due Diligence Vendor-03/12/2026 | Ready for Review-should be in disclosures that were just uploaded to another condition - Seller-03/20/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:33 | 2026-03-23 14:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Seller-03/20/2026 <br> Open-\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 | Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Seller-03/20/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:36 | 2026-03-23 14:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Seller-03/20/2026 <br> Open-• A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, has not been provided. Rate dependent charge changes are subject to 0% tolerance testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 | Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Seller-03/20/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 08:37 | 2026-03-23 14:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Seller-03/20/2026 <br> Open-\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-03/12/2026 | Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Seller-03/20/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 15:14 | 2026-03-23 14:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-All disclosures were uploaded to another condition, requested doc should be included in that - Buyer-03/20/2026 <br> Open-Escrow Waiver is Missing \*\*\*\*\*\*\*\* Final Closing Disclosure Page 4 escrow indicator failed to indicate "borrower declined" or "Lender does not offer". - Due Diligence Vendor-03/17/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861177 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 11:35 | 2026-03-23 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Supplement should have been in original upload, reattaching separated docs - Seller-03/20/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing for $4,007 for primary xxxxxx - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Supplement should have been in original upload, reattaching separated docs - Seller-03/20/2026<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | VOM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861197 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861200 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861203 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 10:56 | 2026-03-24 10:40 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Updated 1008 with Audited DTI provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See attached updated 1008 - Due Diligence Vendor-03/23/2026 <br> Counter-Provided an updated 1008 reflecting Audited DTI of 48.83% - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please review UW email about large deposits and his adjusted income calculations - DTI still within range - Due Diligence Vendor-03/20/2026 <br> Open-Income and Employment Do Not Meet Guidelines . Provide source of funds for $81,766.16 deposit on 6/25/2025 and $80,000 on 10/02/2025 made into xxxxxx account to ensure these are business fund deposits. These deposits are well over the normal deposit average. - Due Diligence Vendor-03/09/2026 |  | Resolved-Updated 1008 with Audited DTI provided - Due Diligence Vendor-03/24/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.29 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.29 Years |  | 861203_xxxxxx_inc.pdf<br> 861203_xxxxxx_UW_information_email_on_large_deposits.pdf<br> 861203_xxxxxx_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861203 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 10:44 | 2026-03-17 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE stating no HOI as xxxxxx property Free & Clear. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. See LOE for HOI - Due Diligence Vendor-03/17/2026 <br> Counter-HOA received, still missing HOI information for xxxxxx. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. See HOA - Due Diligence Vendor-03/11/2026 <br> Open-. Provide insurance and HOA if applicable for property located at xxxxxx. At the time of review LOE for no HOA did not reference said property and insurance was not provided as required to confirm correct rents or rent loss. - Due Diligence Vendor-03/09/2026 |  | Resolved-LOE stating no HOI as xxxxxx property Free & Clear. - Due Diligence Vendor-03/17/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.29 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.29 Years |  | 861203_xxxxxx_HOA_xxxxxx.pdf<br> 861203_xxxxxx_LOE_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861204 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861222 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861234 | xxxxxx | C A | Closed | xxxxxx | 2026-03-16 08:25 | 2026-03-24 16:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/19/2026 <br> Counter-\*\*Lender provided same copies of document in the original file. The Revised LE issued xxxxxx is missing page 3. The document provided includes an executed page in a page labeled "page 5" and in a Closing CD format vs that of page 3 of a revised LE. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the lLE and LLE, xxxxxx - Seller-03/18/2026 <br> Open-3rd Page missing in Revised Loan Estimate. Please provide valid document. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached the lLE and LLE, xxxxxx - Seller-03/18/2026<br>| Resolved-\*\*Received - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.71% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx-Condition.pdf<br> xxxxxx_LLE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861234 | xxxxxx | C A | Closed | xxxxxx | 2026-03-16 08:25 | 2026-03-19 08:09 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/18/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cancelation date xxxxxx, please provide PCCD with the updated disbursement date after cancel date.\*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/18/2026<br>| Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.71% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861237 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861243 | xxxxxx | C A | Closed | xxxxxx | 2026-03-12 18:09 | 2026-03-16 10:59 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/16/2026 <br> Resolved- - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team , please see attached the Post Consummation CD and Final SS showing the loan disbursement date on xxxxxx - Seller-03/14/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. xxxxxx Team , please see attached the Post Consummation CD and Final SS showing the loan disbursement date on xxxxxx - Seller-03/14/2026 | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-03/16/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.01% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx_PCCD (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out < 2% or less than $5000 | N/A | N/A | xxxxxx |
| 861247 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861268 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 09:45 | 2026-04-17 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO docs provided - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached items these should have been with the shipping package, please re-review and waive/clear condition. - Due Diligence Vendor-04/16/2026 <br> Open-Missing evidence for primary residence xxxxxx HOI and Tax. - Due Diligence Vendor-04/14/2026 |  | Resolved-REO docs provided - Due Diligence Vendor-04/17/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.53 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 861268_xxxxxx_ITEMS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861276 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 13:51 | 2026-03-11 12:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. 3/10/26 - please see CLA attached. - Due Diligence Vendor-03/11/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 is not with the upload package of documents. Please provide. - Due Diligence Vendor-03/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 861276_Do_CLA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861282 | xxxxxx | B A | Closed | xxxxxx | 2026-03-09 14:08 | 2026-04-24 13:12 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. 3/10/26 - Please see CLA attached. - Due Diligence Vendor-03/11/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/09/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 861282_xxxxxx_CLA_(3).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861306 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861312 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861335 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 11:59 | 2026-03-17 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. See UDN - Due Diligence Vendor-03/17/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & Borrower 2 Gap Credit Report is Missing. Per guidelines, A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio - Due Diligence Vendor-03/16/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/17/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861335_xxxxxx_UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861344 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861377 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 00:53 | 2026-03-17 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act provided - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see the attached xxxxxx Patriot Act documentation. - Due Diligence Vendor-03/17/2026 <br> Open-Borrower 1 Citizenship Documentation Is Missing No ID or xxxxxx Patriot Act documentation on file for citizenship verification - please provide. - Due Diligence Vendor-03/16/2026 |  | Resolved-xxxxxx Patriot Act provided - Due Diligence Vendor-03/17/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.24% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.10 Years |  | 861377_xxxxxx_PATRIOT_ACT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861407 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-01 14:48 | 2026-04-07 10:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Additional documentation for fee name incorrectly disclosed on the CD, and a revised disclosures to reflect actual name for fees/services provided, provided to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. See attached GFE and PCCD - Due Diligence Vendor-04/06/2026 <br> Open-\*\*\* Recording charges of $284.00 were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $312.40. Final charge to borrower is $1,837.25. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $1,524.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-Additional documentation for fee name incorrectly disclosed on the CD, and a revised disclosures to reflect actual name for fees/services provided, provided to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. - Due Diligence Vendor-04/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 646 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  | Full Review861407_xxxxxx_4_3_2026_32730_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861407 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-01 14:48 | 2026-04-07 10:20 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Additional documentation for fee name incorrectly disclosed on the CD, and a revised disclosures to reflect actual name for fees/services provided, provided to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. See attached GFE and PCCD - Due Diligence Vendor-04/06/2026 <br> Open-\*\*\* Recording charges of $284.00 were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $312.40. Final charge to borrower is $1,837.25. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $1,524.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-Additional documentation for fee name incorrectly disclosed on the CD, and a revised disclosures to reflect actual name for fees/services provided, provided to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. - Due Diligence Vendor-04/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 646 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  | Full Review861407_xxxxxx_4_3_2026_32807_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861407 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-01 14:48 | 2026-04-07 10:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Additional documentation for fee name incorrectly disclosed on the CD, and a revised disclosures to reflect actual name for fees/services provided, provided to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. See attached GFE and PCCD - Due Diligence Vendor-04/06/2026 <br> Open-\*\*\* Recording charges of $284.00 were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $312.40. Final charge to borrower is $1,837.25. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $1,524.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,837.25) exceed the comparable charges ($284.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $284.00, establishing a 10% baseline of $312.4. Final charges to borrower $1,837.25. 10% tolerance cure in the amount of $1,524.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-Additional documentation for fee name incorrectly disclosed on the CD, and a revised disclosures to reflect actual name for fees/services provided, provided to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. - Due Diligence Vendor-04/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 646 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  | Full Review861407_xxxxxx_4_3_2026_32917_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861407 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-01 05:21 | 2026-04-06 09:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/03/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 646 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  | 861407_xxxxxx_Loan#861407_LDL-Report_3-17-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861416 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 07:22 | 2026-04-21 13:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosure - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.<br> - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosure - Due Diligence Vendor-04/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.33 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 28.09% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861416_xxxxxx_4_16_2026_34851_PM.zip<br> 861416_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260310_225641.pdf<br> 861416_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260320_171501.pdf<br> 861416_xxxxxx_Prelim_CDs_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861423 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861427 | xxxxxx | D A | Closed | xxxxxx | 2026-03-24 04:28 | 2026-03-27 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Assets and updated 1003 - Due Diligence Vendor-03/26/2026 <br> Open-Asset 2 Missing Provide Bank statement of the xxxxxx bank, Acct xxxxxx as the Assets is used for Cash to close and Reserves. - Due Diligence Vendor-03/24/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.22 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.23 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861427_xxxxxx_assets_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861427 | xxxxxx | D A | Closed | xxxxxx | 2026-03-24 16:07 | 2026-03-27 11:35 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/27/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Bank statements for xxxxxx bank, Acct xxxxxx are missing from the loan file and assets used for Cash to close and Reserves. - Due Diligence Vendor-03/24/2026 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.22 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.23 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861427 | xxxxxx | D A | Closed | xxxxxx | 2026-03-24 04:13 | 2026-03-27 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Gap report - Due Diligence Vendor-03/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report with in 10 days from the Note date. - Due Diligence Vendor-03/24/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.22 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.23 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861427_xxxxxx_credit_refresh_2.pdf<br> 861427_xxxxxx_credit_refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861427 | xxxxxx | D A | Closed | xxxxxx | 2026-03-24 03:32 | 2026-03-27 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. See questionnaire - Due Diligence Vendor-03/26/2026 <br> Open-HOA Questionnaire Document status is Missing. Provide Questionnaire Document for the subject property. - Due Diligence Vendor-03/24/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.22 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.23 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.45% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861427_xxxxxx_condo_questionnaire.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861468 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-27 12:53 | 2026-04-01 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Please see attached UW Income Worksheet. - Due Diligence Vendor-04/01/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Lender's Bank Statement Income Worksheet missing - Due Diligence Vendor-03/27/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/01/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 136.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 3.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 59.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 861468_xxxxxx_Income_Worksheet_2.pdf<br> 861468_xxxxxx_Income_Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861468 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-31 10:59 | 2026-03-31 11:02 | Waived | 2 - Non-Material C B | Credit | Income | Income documentation does not meet guidelines | Waived-Client Exception granted with compensating factorsBrw income is derived from a layered entity. Income used to qualify is from xxxxxx owns 100% of xxxxxx owns 45% of xxxxxx. Borrower owns 100% of xxxxxx. By extension, borrower owns 45% of xxxxxx. We used an ownership percentage of 45% when calculating the income. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Waived-Client Exception granted with compensating factorsBrw income is derived from a layered entity. Income used to qualify is from xxxxxx owns 100% of xxxxxx owns 45% of xxxxxx. Borrower owns 100% of xxxxxx. By extension, borrower owns 45% of xxxxxx. We used an ownership percentage of 45% when calculating the income. - Due Diligence Vendor-03/31/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 136.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 3.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 59.64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | LTV/CLTV is 5% or more below the maximum allowed under applicable guidelines.<br> DTI <= 36% which is below requirement in guidelines.<br> Residual Income Residual income more than 2.5x the amount required by guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861476 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861477 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861480 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861485 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-30 02:43 | 2026-04-01 14:08 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Other Disclosure Section (page 5) is incomplete | Resolved-\*\*Received FCD with all pages. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Final CD - Due Diligence Vendor-03/31/2026 <br> Open-Final Closing Disclosure Page 5 Loan calculation is incomplete or incorrect.<br> - Due Diligence Vendor-03/30/2026 |  | Resolved-\*\*Received FCD with all pages. - Due Diligence Vendor-04/01/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 21.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 41.11% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 100.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 36.00 Years |  | Full Review861485_xxxxxx_3_31_2026_121004_PM.zip<br> 861485_xxxxxx_Signed_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861485 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-27 16:36 | 2026-04-01 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Fraud report attached - Due Diligence Vendor-03/31/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/27/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/01/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 21.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 41.11% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 100.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 36.00 Years |  | 861485_xxxxxx_Fraud_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861501 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861549 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861551 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861572 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-30 13:48 | 2026-04-02 08:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity docs provided - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. these were uploaded :-) - Buyer-04/01/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-03/30/2026 |  | Resolved-Entity docs provided - Due Diligence Vendor-04/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | LLC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861572 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-30 08:53 | 2026-04-02 08:28 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/01/2026 <br> Open-The Final 1003 is Not Executed - Due Diligence Vendor-03/30/2026 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-04/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Signed 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861579 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 861584 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 09:03 | 2026-03-24 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documentation provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. 3/20/26 - Lender response: xxxxxx has not closed yet uploaded 1008. Taxes and ins for other properties attached - Due Diligence Vendor-03/23/2026 <br> Open-{a} xxxxxx with xxxxxx (simultaneous closing with subject. Missing the Final CD or first payment letter showing the full PITIA for the property<br> {b} xxxxxx, Missing proof of Property taxes paid and any HOA if applicable. Final 1003 shows xxxxxx. QC verified xxxxxx for HOI. Missing the additional xxxxxx tio verify Taxes and/or HOA.<br> {c} xxxxxx, Missing proof of xxxxxx Taxes, $81.33 HOI and any HOA dues if applicable $414.89 shown n the final 1003<br> - Due Diligence Vendor-03/17/2026 |  | Resolved-REO documentation provided - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 77.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 3.07% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 58.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.04 Years |  | 861584_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861587 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 15:15 | 2026-04-08 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Bank Statement uploaded. xxxxxx! - Due Diligence Vendor-04/08/2026 <br> Open-Asset 2 - Missing proof of balance for xxxxxx Account xxxxxx showing the $52,500.47 shown on the page 2of10 Final 1003 page #864 - Due Diligence Vendor-04/06/2026 <br> Open-Asset 2 Missing Missing proof of balance for Asset 2 w/xxxxxx Account xxxxxx showing the $52,500.47 shown on the page 2of10 Final 1003 page #864 <br> - Due Diligence Vendor-04/03/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/08/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 43.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 62.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 Years |  | 861587_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861588 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 09:23 | 2026-04-06 09:34 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-04/03/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/31/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  | 861588_xxxxxx_Loan_#861588_LDL-Report_3-25-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861588 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 09:02 | 2026-04-06 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Income calculation worksheet - Due Diligence Vendor-04/03/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/31/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  | 861588_xxxxxx_861588__xxxxxx_ANALYSIS_3-9-26_SM.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861591 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-27 09:55 | 2026-04-06 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 125000 - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Waiver accepted by investor - Buyer-04/03/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 125000 - Due Diligence Vendor-03/27/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 125000 - Due Diligence Vendor-04/06/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Qualifying FICO is Greater Than The Guideline Minimum By Twenty <br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent<br> Low Credit Usage Ratio Of Twenty-Five Percent | Loan Viewer Eligibility Waiver Granted.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861601 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 17:41 | 2026-04-07 09:16 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. 4/3/26 - Please see PCCD - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\*Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | Full Review861601_xxxxxx_4_3_2026_41009_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861605 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861606 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861609 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 10:35 | 2026-04-20 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Bank Statement Worksheet uploaded. xxxxxx! - Due Diligence Vendor-04/20/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/15/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/20/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 861609_xxxxxx_Bank_Statement_worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861609 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 09:43 | 2026-04-17 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | Transaction is not arm's length | Resolved-Non-Arm's Length Transaction - Due Diligence Vendor-04/17/2026 <br> Open-Non-Arm's Length Transaction validated - Due Diligence Vendor-04/16/2026 |  | Resolved-Non-Arm's Length Transaction - Due Diligence Vendor-04/17/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861618 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861646 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861650 | xxxxxx | D A | Closed | xxxxxx | 2026-04-09 05:41 | 2026-04-14 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-OA verifying Bwr ownership of 50% - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see attached - Operating Agreement attached per section 2.8.6.3.2 - please note this was provided at submission starting at page 538 - Due Diligence Vendor-04/14/2026 <br> Open-Borrower 1 CPA Letter Missing, please provide copy of CPA or accountant letter to confirm <br> Borrowers % of ownership of the business. - Due Diligence Vendor-04/09/2026 |  | Resolved-OA verifying Bwr ownership of 50% - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.27 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.77 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | 861650_xxxxxx_Operating_Agreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861725 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-06 08:18 | 2026-04-09 11:55 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/08/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx.Please Provide Post Consummation Closing Disclosure funding after Rescission period.<br> - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/08/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-04/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.51% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.50 Years |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861725 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-06 12:11 | 2026-04-09 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-LOE regarding the xxxxxx dated xxxxxx inquiry provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-04/08/2026 <br> Open-Provide a Letter of Explanation (LOE) from the borrower addressing the credit inquiry from xxxxxx dated xxxxxx, as reflected on the credit report within the last 90 days per GL Credit Inquiries requirements.<br>Additional conditions may apply upon review. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-04/08/2026<br>| Resolved-LOE regarding the xxxxxx dated xxxxxx inquiry provided - Due Diligence Vendor-04/09/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.51% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.50 Years |  | Refresh Inq - xxxxxx_2026_04_08_@03_07_11.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861725 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-06 12:09 | 2026-04-09 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-New xxxxxx Auto loan supporting xxxxxx per month for 60 months provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-04/08/2026 <br> Open-Provide a copy of the missing xxxxxx payment statement supporting the monthly obligation of xxxxxx, or an updated credit supplement as this documentation is not currently included in the file.<br>Additional conditions may apply upon review. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-04/08/2026<br>| Resolved-New xxxxxx Auto loan supporting xxxxxx per month for 60 months provided - Due Diligence Vendor-04/09/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.51% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.50 Years |  | Lending Agreement - Auto_2026_04_08_@03_07_24.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861729 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861731 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861740 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861741 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861755 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 08:13 | 2026-04-06 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/03/2026 <br> Counter-The condition is for Missing the Condo Master Policy - only the Bwr's HOI Policy was in the Loan file. Subject is a xxxxxx (attached) with a loan amount of xxxxxx and the Bwr's personal HOI policy states dwelling as xxxxxx which is not enough dwelling coverage. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. yes it was :-) - Buyer-04/02/2026 <br> Open-Missing HO-6 Master Insurance Policy. Policy not in file at time of review. Please provide - Due Diligence Vendor-04/01/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/06/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.31 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 39.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | H06.pdf<br>hoa master.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861773 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861798 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861994 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-30 17:46 | 2026-03-30 17:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with compensating factors - Due Diligence Vendor-03/30/2026 <br> Open-All Borrowers require a minimum median FICO of 660, COB FICO 653. - Due Diligence Vendor-03/30/2026 |  |  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.42 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Residual income more than 1.5x the amount required by guidelines<br> Assets for reserves are from a cash out transaction completed 2/03/2026 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862000 | xxxxxx | C A | Closed | xxxxxx | 2026-03-25 17:33 | 2026-03-30 10:46 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-03/30/2026 <br> Resolved- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-03/27/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-03/27/2026 | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-03/30/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validate Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validate Calculated DTI Of 40.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validate Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validate Original LTV Of 61.76% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862006 | xxxxxx | C A | Closed | xxxxxx | 2026-03-30 06:05 | 2026-04-09 07:50 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA. - Due Diligence Vendor-04/09/2026 <br> Counter-2 CU & LCA scores are loan file (CU 2.5/LCA 2.5 dated 3.04.26) & (CU 3/LCA 0 Not Eligible dated 3.23.26) the Most recent scores dated 3.23.26 used. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-The Collateral Underwriter Risk Score is 2.5 and LCA Risk is assessed at 2.5<br> Pulled from the xxxxxx file on your portal under Pages - Property. Please review and cancel condition. - Due Diligence Vendor-04/01/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) The Collateral Underwriter (CU) score exceeds 2.5; however, a third-party valuation product has not been provided. The reported CU score is 3. - Due Diligence Vendor-03/30/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-04/09/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.71 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.71 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.53 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 11.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - validated Original CLTV Of 58.5% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 19.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 862006_xxxxxx____CDA_for_condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862010 | xxxxxx | C A | Closed | xxxxxx | 2026-04-06 13:18 | 2026-04-09 07:35 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-AVM with a Confidence/FSD score of 90 provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/08/2026 <br> Counter-The AVM provided is dated xxxxxx (after the Full Appraisal xxxxxx) reflects a Confidence score of 88 FSD 0.12 - Per (2nd Lien section) of the GL: 3.10.1.1.1 AVM VENDORS - Collateral Analytics - Acceptable FSD Score Range 0.00 to 0.10. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see AVM - Due Diligence Vendor-04/07/2026 <br> Open-Required per lender guidelines for a 2nd lien. - Due Diligence Vendor-04/06/2026 |  | Resolved-AVM with a Confidence/FSD score of 90 provided - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.24 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 862010_xxxxxx_AVM.pdf<br> xxxxxx_xxxxxx.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862021 | xxxxxx | B A | Closed | xxxxxx | 2026-04-02 02:07 | 2026-04-02 02:07 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client Exception granted with compensating factorsCalculated DSCR of 0.808 is less than guideline DSCR of 1. DSCR score <1 - Due Diligence Vendor-04/02/2026 |  | Waived-Client Exception granted with compensating factorsCalculated DSCR of 0.808 is less than guideline DSCR of 1. DSCR score <1 - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 29.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 56.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 10 points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862035 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862046 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-08 11:25 | 2026-04-15 09:18 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Compliance docs - Due Diligence Vendor-04/14/2026 <br> Open-\*\*\* Recording charges of $174 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $200. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $8.60 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($200.00) exceed the comparable charges ($174.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review862046_xxxxxx_4_13_2026_32753_PM.zip<br> 862046_xxxxxx_PCCD_2.pdf<br> 862046_xxxxxx_PCCD.pdf<br> 862046_xxxxxx_208664.pdf<br> 862046_xxxxxx_208664_2.pdf<br> 862046_xxxxxx_PCCD_LOE_2.pdf<br> 862046_xxxxxx_PCCD_LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862046 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-08 11:25 | 2026-04-15 09:18 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Compliance docs - Due Diligence Vendor-04/14/2026 <br> Open-\*\*\* Recording charges of $174 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $200. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $8.60 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review862046_xxxxxx_4_13_2026_32753_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862046 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-08 11:25 | 2026-04-15 09:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Compliance docs - Due Diligence Vendor-04/14/2026 <br> Open-\*\*\* Recording charges of $174 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $200. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $8.60 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review862046_xxxxxx_4_13_2026_32753_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862052 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-06 10:12 | 2026-04-09 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-HOI policy provided - Due Diligence Vendor-04/09/2026 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. the combined 1st and 2nd balance is < the dwelling. Also please see email. - Due Diligence Vendor-04/09/2026 <br> Open-Document is incomplete or missing required policy information. The monthly premium is not reflected on the insurance policy, must be listed on the policy. - Due Diligence Vendor-04/06/2026 |  | Resolved-HOI policy provided - Due Diligence Vendor-04/09/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.92 Years |  | 862052_xxxxxx_Replacement_Cost.pdf<br> 862052_xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862052 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-03 17:32 | 2026-04-09 09:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/08/2026 <br> Open-The following charges have increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of $466. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $466 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $466.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-04/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.92 Years |  | Full Review862052_xxxxxx_4_7_2026_35115_PM.zip<br> 862052_xxxxxx_Changed_Circumstances.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862052 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-03 17:32 | 2026-04-09 09:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/08/2026 <br> Open-The following charges have increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of $466. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $466 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-04/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.92 Years |  | Full Review862052_xxxxxx_4_7_2026_35633_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862052 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-03 17:32 | 2026-04-09 09:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-04/09/2026 <br> Resolved- - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/08/2026 <br> Open-The following charges have increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of $466. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $466 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-04/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.92 Years |  | Full Review862052_xxxxxx_4_7_2026_35731_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862064 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-06 11:31 | 2026-04-22 11:09 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br> Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br> Resolved- - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-4/21/26 - please see correct check issued to subject borrower. - Seller-04/21/2026 <br> Counter-Copy of check provided is not for this borrower/finding. xxxxxx - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. 4/16/26 - please see cure. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*Recording charges of $172.00 were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $189.20. Final charge to borrower is $225.00. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $35.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($225.00) exceed the comparable charges ($172.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 | Ready for Review-4/21/26 - please see correct check issued to subject borrower. - Seller-04/21/2026<br>| Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br>Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.81 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | Full Review862064_xxxxxx_4_16_2026_64610_PM.zip<br> 862064_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862064 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-06 11:31 | 2026-04-22 11:08 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br> Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br> Resolved- - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. 4/21/26 - please see correct check issued to subject borrower. - Seller-04/21/2026 <br> Counter-Copy of check provided is not for this borrower/finding. xxxxxx - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. 4/16/26 - please see cure. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*Recording charges of $172.00 were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $189.20. Final charge to borrower is $225.00. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $35.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. 4/21/26 - please see correct check issued to subject borrower. - Seller-04/21/2026<br>| Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br>Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.81 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | Full Review862064_xxxxxx_4_16_2026_64550_PM.zip<br> xxxxxx docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862064 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-06 11:31 | 2026-04-22 11:08 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026 <br> Resolved- - Due Diligence Vendor-04/22/2026 <br> Ready for Review-4/21/26 - please see correct check issued to subject borrower. - Buyer-04/21/2026 <br> Counter-Copy of check provided is not for this borrower/finding. xxxxxx - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. 4/16/26 - please see cure. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*Recording charges of $172.00 were disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $189.20. Final charge to borrower is $225.00. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $35.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 |  | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.81 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | Full Review862064_xxxxxx_4_16_2026_64527_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862064 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-06 13:33 | 2026-04-10 14:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-LCA provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/06/2026 |  | Resolved-LCA provided - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.81 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | 862064_xxxxxx_SSRs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862117 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 07:39 | 2026-04-06 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/03/2026 <br> Open-Title Document is missing Provide a title document for the subject property located at xxxxxx. - Due Diligence Vendor-04/01/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-04/06/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.07 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 37.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 862117_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862119 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862127 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-17 08:43 | 2026-04-22 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. xxxxxx HOI. xxxxxx! - Due Diligence Vendor-04/22/2026 <br> Counter-Condition is for homeowners insurance for rental property located at xxxxxx. This is required to ensure the correct net rent loss - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please find documents uploaded. xxxxxx! - Due Diligence Vendor-04/21/2026 <br> Open-. Provide homeowners insurance for rental property located at xxxxxx. This is required to ensure the correct net rent loss. Subject to review and possible additional conditions. - Due Diligence Vendor-04/17/2026 |  | Resolved-HOI Policy provided - Due Diligence Vendor-04/22/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.14% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 862127_xxxxxx_Insurance_Binder_(201603).PDF<br> 862127_xxxxxx_hce_(2).pdf<br> 862127_xxxxxx_HOA1SHR.pdf<br> 862127_xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862127 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-16 03:45 | 2026-04-21 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please find documents uploaded. xxxxxx! - Due Diligence Vendor-04/21/2026 <br> Open-Missing Hazard Insurance Policy . Provide HOI policy for the subject property located at xxxxxx with adequate dwelling coverage as required by guidelines. Subject to review and possible additional conditions. - Due Diligence Vendor-04/16/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/21/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.14% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 862127_xxxxxx_Insurance_Binder_(201603).PDF<br> 862127_xxxxxx_hce_(2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862127 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-16 08:59 | 2026-04-17 07:08 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client Exception granted with compensating factorsneed an exception- basement kitchen and garage conversion were unpermitted - The appraiser confirmed work completed in a workman like manner with the same finishes as of rest of the home. No cost to cure or fines indicated. Appraiser also confirms that basement kitchens are common and have no adverse effect on the marketability of the subject No value was assigned for the 2nd kitchen and appraiser took xxxxxx off for garage. The LTV is at 35% on a purchase transaction, 731 credit score, full doc loan with 97 months reserves- Due Diligence Vendor-04/16/2026 |  | Waived-Client Exception granted with compensating factorsneed an exception- basement kitchen and garage conversion were unpermitted - The appraiser confirmed work completed in a workman like manner with the same finishes as of rest of the home. No cost to cure or fines indicated. Appraiser also confirms that basement kitchens are common and have no adverse effect on the marketability of the subject No value was assigned for the 2nd kitchen and appraiser took xxxxxx off for garage. The LTV is at 35% on a purchase transaction, 731 credit score, full doc loan with 97 months reserves- Due Diligence Vendor-04/16/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.14% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines, DTI <= 36% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862147 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862148 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 14:18 | 2026-04-08 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. 4/7/26 - please see attached. - Due Diligence Vendor-04/08/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide gap credit reports or Undisclosed Debt Monitoring (UDM) reports for B1 and B2 dated no more than 30 days prior to closing or any time after closing (Note Date xxxxxx).<br>The gap reports are currently missing from the file. Per GL 2.6.2 GAP CREDIT/UNDISCLOSED DEBT, a gap credit report or UDM report is required within 30 days prior to loan closing or any time after closing.<br>Additional conditions may apply upon review. - Due Diligence Vendor-04/01/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.3 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.97 Years |  | 862148_xxxxxx_Credit_Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862153 | xxxxxx | B A | Closed | xxxxxx | 2026-04-01 01:23 | 2026-04-02 09:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with compensating factorsAllow rural property with LTV > 80% (85%) - Due Diligence Vendor-04/02/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Acceptable as per guidelines due to the land is less then 10qcres (A maximum of 10 acres, not meeting the definition of rural) - Due Diligence Vendor-04/01/2026 |  | Waived-Client Exception granted with compensating factorsAllow rural property with LTV > 80% (85%) - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 31.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 | Credit Score 30+ points > minimum required.<br> DTI <= 36% which is below requirement in guidelines. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862164 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 16:46 | 2026-04-09 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached final UDM - Due Diligence Vendor-04/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years |  | 862164_xxxxxx_AM_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862189 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 12:38 | 2026-04-08 09:56 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-xxxxxx and W-7 Application for IRS Individual Taxpayer Identification Number dated xxxxxx provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/07/2026 <br> Open-Borrower is a non-permanent resident alien. - Due Diligence Vendor-04/03/2026 |  | Resolved-xxxxxx and W-7 Application for IRS Individual Taxpayer Identification Number dated xxxxxx provided - Due Diligence Vendor-04/08/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xxxxxx ID info.pdf<br> image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862189 | xxxxxx | C A | Closed | xxxxxx | 2026-04-02 05:23 | 2026-04-07 14:52 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDN provided - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/07/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per GL's: Gap credit: A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio. Note dated xxxxxx. GAP dated 2/25/2026. Please provide updated GAP report. - Due Diligence Vendor-04/02/2026 |  | Resolved-UDN provided - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xxxxxx UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862203 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862235 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862249 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 12:19 | 2026-04-16 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. VOE/xxxxxx broker lookup attached as proof of SE employment. We included the report printout at submission but I am attaching a current screenshot of the lookup with URL and date included. - Due Diligence Vendor-04/15/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/14/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/16/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.03 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 862249_xxxxxx_lookup_vvoe.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862288 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862289 | xxxxxx | C A | Closed | xxxxxx | 2026-03-24 10:21 | 2026-03-27 11:40 | Resolved | 1 - Information C A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see the revised 1008/1003 attached. Per OGI Underwriter-There is no tax returns. Brwr income is retirement only documented by 1099s and retirement award letter. - Due Diligence Vendor-03/26/2026 <br> Open-Income 3 Months Income Verified is Missing Missing 2025 tax return showing schedule C loss - Due Diligence Vendor-03/24/2026 |  | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/27/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.54% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 862289_xxxxxx_1008_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862291 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862346 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-13 09:48 | 2026-04-13 09:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsAllow use of payment documentation for housing with no lease. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Waived-Client Exception granted with compensating factorsAllow use of payment documentation for housing with no lease. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.02 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI <= 36% which is below requirement in guidelines.<br> Residual income more than 2.5x the amount required by guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862348 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 01:58 | 2026-04-17 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA and Mortgage statement (escrowed) provided - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please find the hoa and mtg stmt. xxxxxx! - Due Diligence Vendor-04/17/2026 <br> Open-HOA is missing for xxxxxx - Due Diligence Vendor-04/14/2026 |  | Resolved-HOA and Mortgage statement (escrowed) provided - Due Diligence Vendor-04/17/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.75 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.01 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 862348_xxxxxx_-_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862468 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862472 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 04:49 | 2026-04-01 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached. it was included in the CP. xxxxxx - Seller-03/31/2026 <br> Open-Asset 1 Missing - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached. it was included in the CP. xxxxxx - Seller-03/31/2026 | Resolved-Asset 1 Provided - Due Diligence Vendor-04/01/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862474 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 15:19 | 2026-03-31 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Tax cert provided - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. Hello Team, this is the purchase file. Please see attached the Tax cert. Thank you - Seller-03/31/2026 <br> Open-Tax Cert is Missing. Please provide. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. xxxxxx Team, this is the purchase file. Please see attached the Tax cert. xxxxxx - Seller-03/31/2026<br>| Resolved-Tax cert provided - Due Diligence Vendor-03/31/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Tax Cert_2026_03_30_@05_51_51.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862475 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862478 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862493 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862497 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862503 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862511 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862540 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862544 | xxxxxx | B A | Closed | xxxxxx | 2026-04-09 12:53 | 2026-04-09 12:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with compensating factorsAudited Reserves of 9.39 are less than Guideline Required Reserves of 12 Exception requested to allow for 6 mos reserves instead of the required 12 at 90% LTV. approval pg 397 - Due Diligence Vendor-04/09/2026 |  | Waived-Client Exception granted with compensating factorsAudited Reserves of 9.39 are less than Guideline Required Reserves of 12 Exception requested to allow for 6 mos reserves instead of the required 12 at 90% LTV. approval pg 397 - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments | Credit Score 10 points > minimum required<br> Employed at same job > 2 years<br> 0x30 for 24 months on all mortgages |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862548 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 02:03 | 2026-04-08 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please find the Flood Ins. xxxxxx! - Due Diligence Vendor-04/07/2026 <br> Open-Missing Flood Insurance Policy - Due Diligence Vendor-03/31/2026 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/08/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 862548_xxxxxx_Flood_Insurance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862570 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 862572 | xxxxxx | C A | Closed | xxxxxx | 2026-04-08 15:51 | 2026-04-10 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.17 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. This is the final, final, CD, the loan was registered, locked as a cash out, this CD has cash out that can be used for reserves - Due Diligence Vendor-04/09/2026 <br> Open-Audited Reserves of 1.03 are less than Guideline Required Reserves of 3 Audited Reserves of 1.07 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/08/2026 |  | Resolved-Audited Reserves of 6.17 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - comp factor Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | 862572_xxxxxx_final_CD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862593 | xxxxxx | C A | Closed | xxxxxx | 2026-04-06 09:22 | 2026-04-06 09:23 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($320.84) exceeds the per diem interest charge or credit threshold ($161.42).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-04/06/2026 |  | Resolved-\*\*Received PCCD - Due Diligence Vendor-04/06/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.33 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862593 | xxxxxx | C A | Closed | xxxxxx | 2026-04-02 16:25 | 2026-04-06 09:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final SS and Post Consummation CD showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/03/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final SS and Post Consummation CD showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/03/2026 | Resolved-Received PCCD - Due Diligence Vendor-04/06/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.33 Years |  | xxxxxx_PCCD 1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862595 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862603 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862616 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862622 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 862625 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862631 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-15 10:36 | 2026-04-21 14:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026 <br> Counter- - Due Diligence Vendor-04/21/2026 <br> Counter- - Due Diligence Vendor-04/21/2026 <br> Counter-\*\*\*Received Initial CD, updated compliance test results yielded new findings. The original file is missing the Settlement Service Provider List, lender to provide a copy and evidence of delivery to the borrower within 3 business days of the application date. Tracking information for initial package issued xxxxxx in the original file does not indicate the SSPL was provided. Fees have been tested and failed the 10% threshold test. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 |  | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.05% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.49 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862631 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-15 10:36 | 2026-04-21 14:58 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026 <br> Counter- - Due Diligence Vendor-04/21/2026 <br> Counter- - Due Diligence Vendor-04/21/2026 <br> Counter-\*\*\*Received Initial CD, updated compliance test results yielded new findings. The original file is missing the Settlement Service Provider List, lender to provide a copy and evidence of delivery to the borrower within 3 business days of the application date. Tracking information for initial package issued xxxxxx in the original file does not indicate the SSPL was provided. Fees have been tested and failed the 10% threshold test. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 |  | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.05% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.49 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862631 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-15 10:36 | 2026-04-21 14:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026 <br> Counter- - Due Diligence Vendor-04/21/2026 <br> Counter- - Due Diligence Vendor-04/21/2026 <br> Counter-\*\*\*Received Initial CD, updated compliance test results yielded new findings. The original file is missing the Settlement Service Provider List, lender to provide a copy and evidence of delivery to the borrower within 3 business days of the application date. Tracking information for initial package issued xxxxxx in the original file does not indicate the SSPL was provided. Fees have been tested and failed the 10% threshold test. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($5,404.53) exceed the comparable charges ($4,525.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 |  | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.05% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.49 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862631 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-15 10:55 | 2026-04-21 14:58 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached Additional Details for Services You Can Shop For. - Due Diligence Vendor-04/20/2026 <br> Counter-\*\*\*Received Initial CD, updated compliance test results yielded new findings. The original file is missing the Settlement Service Provider List, lender to provide a copy and evidence of delivery to the borrower within 3 business days of the application date. Tracking information for initial package issued xxxxxx in the original file does not indicate the SSPL was provided. Fees have been tested and failed the 10% threshold test. - Due Diligence Vendor-04/15/2026 |  | Resolved-Written Service Provider list provided indicating borrower shopped. - Due Diligence Vendor-04/21/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.05% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.49 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review862631_xxxxxx_4_20_2026_24456_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862631 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-02 16:36 | 2026-04-16 18:57 | Cured | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Cured-Corrected form issued to borrower post consummation, in remediation. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-\*\*Received new NORTC form, LOE, and proof of delivery. Tracking information indicates the package was delivered xxxxxx. Finding will resolve after the new rescission period expires if no evidence that borrower exercised their right to rescind during the new rescission period is received. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached RTC H9 sent to borrower. - Due Diligence Vendor-04/14/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\*Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-04/02/2026 |  | Cured-Corrected form issued to borrower post consummation, in remediation. - Due Diligence Vendor-04/16/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.05% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.49 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review862631_xxxxxx_4_13_2026_62400_PM.zip<br> 862631_xxxxxx_letter_for_RTC_changes_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862631 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-01 16:17 | 2026-04-15 10:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached Initial CD. - Due Diligence Vendor-04/14/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/01/2026 |  | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-04/15/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.05% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.49 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review862631_xxxxxx_4_13_2026_61738_PM.zip<br> 862631_xxxxxx_1012600276_xxxxxx_Initial_CD.pdf.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862653 | xxxxxx | C A | Closed | xxxxxx | 2026-04-14 06:00 | 2026-04-20 14:31 | Resolved | 1 - Information C A | Credit | Income | Income 5 Months Income Verified is Missing | Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. uploaded xxxxxx - Buyer-04/20/2026 <br> Counter-Document Uploaded. per Final 1003 & 1008 the Pension was included in the income qualifications. if no longer being used, provide an updated 1003 & 1008 - Due Diligence Vendor-04/20/2026 <br> Ready for Review-We do not need this income to keep DTI under 45 - Buyer-04/17/2026 <br> Open-Income 5 Months Income Verified is Missing Monthly Pension income submitted in the amount of $18.76 is missing from the file. - Due Diligence Vendor-04/14/2026 |  | Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/20/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.77 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | Screenshot 2026-04-20 091900.jpg<br>Screenshot 2026-04-20 091815.jpg<br>1003 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862660 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862705 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862941 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-31 09:25 | 2026-04-14 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 2.46 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/14/2026 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. - Due Diligence Vendor-04/14/2026 <br> Open-Audited Reserves of 2.46 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-03/31/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 2.46 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.36% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Current primary home ownership > 5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 862945 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 13:03 | 2026-04-01 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please re-review as they are all addressed - Due Diligence Vendor-04/01/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/31/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/31/2026 <br> Open-Missing Third Party Fraud Report The file is currently missing a Fraud Report confirming that all alerts have been reviewed, verified, and cleared. - Due Diligence Vendor-03/27/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/01/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/31/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.20 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.53% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | 862945_xxxxxx_xxxxxx_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-31 01:57 | 2026-04-13 14:04 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. updated docs - Due Diligence Vendor-04/09/2026 <br> Counter-\*\*Received cure package to resolve increase to zero tolerance fee. However, previous lender credit of $177.90 to cure fees above 10% threshold was removed. - Due Diligence Vendor-04/08/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/08/2026 <br> Resolved- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Refund docs - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Appraisal resulting in a 0% tolerance cure in the amount of $100.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-03/31/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx-_Complaince_Refund_docs.pdf<br> Full Review862951_xxxxxx_4_9_2026_120326_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-08 10:56 | 2026-04-13 14:04 | Cured | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Test | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Counter- - Due Diligence Vendor-04/10/2026 <br> Counter-\*\*Received cure package to resolve increase to zero tolerance fee. However, previous lender credit of $177.90 to cure fees above 10% threshold was removed. - Due Diligence Vendor-04/08/2026 <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $100.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $255.80.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-31 01:57 | 2026-04-13 14:03 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. updated docs - Due Diligence Vendor-04/09/2026 <br> Counter-\*\*Received cure package to resolve increase to zero tolerance fee. However, previous lender credit of $177.90 to cure fees above 10% threshold was removed. - Due Diligence Vendor-04/08/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/08/2026 <br> Resolved- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. PCCD, LOE to Bwr, Copy of Check & proof sent to borrower submitted - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Appraisal resulting in a 0% tolerance cure in the amount of $100.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). "A COC is required to increase the appraisal fee in the initial CE dated xxxxxx." - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Cured-\*\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review862951_xxxxxx_4_7_2026_33627_PM.zip<br> 862951_xxxxxx-_Complaince_Refund_docs.pdf<br> Full Review862951_xxxxxx_4_9_2026_120634_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-08 10:56 | 2026-04-10 10:21 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Cured- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. updated docs - Due Diligence Vendor-04/09/2026 <br> Counter-\*\*Received cure package to resolve increase to zero tolerance fee. However, previous lender credit of $177.90 to cure fees above 10% threshold was removed. - Due Diligence Vendor-04/08/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($520.00) exceed the comparable charges ($311.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Cured-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review862951_xxxxxx_4_9_2026_120947_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-04-08 10:56 | 2026-04-10 10:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. updated docs - Due Diligence Vendor-04/09/2026 <br> Counter-\*\*Received cure package to resolve increase to zero tolerance fee. However, previous lender credit of $177.90 to cure fees above 10% threshold was removed. - Due Diligence Vendor-04/08/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($100.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($177.90). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | Full Review862951_xxxxxx_4_9_2026_120740_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-31 01:57 | 2026-04-10 09:02 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br> Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. corrected docs - Due Diligence Vendor-04/09/2026 <br> Counter-\*\*Received cure package to resolve increase to zero tolerance fee. However, previous lender credit of $177.90 to cure fees above 10% threshold was removed. - Due Diligence Vendor-04/08/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/08/2026 <br> Resolved- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Refund docs - Due Diligence Vendor-04/07/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Appraisal resulting in a 0% tolerance cure in the amount of $100.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-03/31/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Resolved-\*\*Received complete cure package. - Due Diligence Vendor-04/10/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx-_Complaince_Refund_docs.pdf<br> Full Review862951_xxxxxx_4_9_2026_120740_PM.zip<br> 862951_xxxxxx_PCCD-LOE__xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-30 20:03 | 2026-04-07 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. See UDN - Due Diligence Vendor-04/06/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx_2.pdf<br> 862951_xxxxxx.pdf<br> 862951_xxxxxx_3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-30 20:03 | 2026-04-07 13:47 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Resolved-Borrower 2 Credit Report is not partially present. - Due Diligence Vendor-04/07/2026 <br> Ready for Review- - Due Diligence Vendor-04/07/2026 <br> Open-Document Uploaded. CBR - Due Diligence Vendor-04/06/2026 <br> Open-Borrower 2 Credit Report is Partially Present. - Due Diligence Vendor-03/31/2026 |  | Resolved-Borrower 2 Credit Report is not partially present. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx_Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-30 20:03 | 2026-04-07 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. See UDN - Due Diligence Vendor-04/06/2026 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx_2.pdf<br> 862951_xxxxxx.pdf<br> 862951_xxxxxx_3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-30 20:38 | 2026-04-06 09:39 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-04/03/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/31/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx_1008_Tramittal_Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862951 | xxxxxx | D B A C | Closed | xxxxxx | 2026-03-30 19:38 | 2026-04-06 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. See attached income calc worksheet - Due Diligence Vendor-04/03/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/30/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 862951_xxxxxx_Income_Calculation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862970 | xxxxxx | C A | Closed | xxxxxx | 2026-04-06 10:43 | 2026-04-08 13:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/08/2026 <br> Resolved- - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026<br>| Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 39.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 56.38% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 21.92 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx FSS.pdf<br> xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863011 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863037 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-15 14:34 | 2026-04-21 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. rental income was removed because it was needed. updated the 1003 and AUS. - Due Diligence Vendor-04/21/2026 <br> Open-Final 1003 shows borrower will receive $4,000 in rent for the subject property. Lease agreement is missing - Due Diligence Vendor-04/15/2026 |  | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points<br>Audited reserves exceed guideline minimum - Reserves exceed minimum by 20+ months |  | 863037_xxxxxx_AUS_-_updated.pdf<br> 863037_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863037 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-15 17:40 | 2026-04-15 17:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Client Exception granted with compensating factorsSubj property unit is under 500 sq feet; property measures xxxxxx sqft. - Due Diligence Vendor-04/15/2026 |  | Waived-Client Exception granted with compensating factorsSubj property unit is under 500 sq feet; property measures xxxxxx sqft. - Due Diligence Vendor-04/15/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points<br>Audited reserves exceed guideline minimum - Reserves exceed minimum by 20+ months | Credit Score 30+ points > minimum required<br> Employed at same job > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863043 | xxxxxx | B A | Closed | xxxxxx | 2026-04-17 16:44 | 2026-04-17 16:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Client Exception granted with compensating factorsNumber of Mortgaged Properties is 18. Exception in file page 771 - Due Diligence Vendor-04/17/2026 |  | Waived-Client Exception granted with compensating factorsNumber of Mortgaged Properties is 18. Exception in file page 771 - Due Diligence Vendor-04/17/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.95 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | .Max DTI 29.59<br> \|Credit-760 score<br> no delinquencies. No, collections, 30 day acct, or PR. 0 x 30 mtgs <br> Reserves-3 mos required but 14 for exception, 15 mos verified |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863169 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 06:01 | 2026-04-14 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. See mortgage statement - Due Diligence Vendor-04/14/2026 <br> Open-Mortgage Statement Missing for address xxxxxx (primary residence). - Due Diligence Vendor-04/08/2026 |  | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-04/14/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.36 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 57.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 21.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Borrower At Current Residence For Five (5) Or More Years - 15.08 Years |  | 863169_xxxxxx_Current_primary_Mortgage_Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 863170 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 07:46 | 2026-04-14 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. See mortgage statement - Due Diligence Vendor-04/13/2026 <br> Open-Mortgage Statements Missing For Address xxxxxx (primary residence). - Due Diligence Vendor-04/08/2026 |  | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-04/14/2026<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 21.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.92 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.21 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.21 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Borrower At Current Residence For Five (5) Or More Years - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 69.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 863170_xxxxxx_Current_primary_Mortgage_Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 863172 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863199 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863203 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863221 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 10:44 | 2026-04-14 14:53 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of xxxxxx is equal to or after the Note Date of xxxxxx Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2026 <br> Ready for Review-per note in file, as of xxxxxx, the flood renewal policy is unavailable and xxxxxx will send over once it becomes availble - Buyer-04/14/2026 <br> Open-Flood Insurance Expiration Date of xxxxxx is prior to the Note Date of xxxxxx. Renewal Policy is missing in the loan file - Due Diligence Vendor-04/13/2026 |  | Resolved-Flood Insurance Expiration Date of xxxxxx is equal to or after the Note Date of xxxxxx Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/14/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.76 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.35 Years |  | 0001922858-RENEWALDEC-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863246 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 15:01 | 2026-05-04 15:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsexception granted to allow commercial space that exceeds guideline max. (54%; 50% allowable) - Due Diligence Vendor-05/04/2026 <br> Open-Exception granted for: Allow commercial space > 50% (54%). - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsexception granted to allow commercial space that exceeds guideline max. (54%; 50% allowable) - Due Diligence Vendor-05/04/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.31 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Credit Score 30+ points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863255 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863312 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863315 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-26 14:18 | 2026-03-31 09:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Short reserves -$1,652.34, requires 6 months, subject contain 5.6 months. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-The request for an exception to Client's eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines - Buyer-03/30/2026 <br> Open-Short reserves -$1,652.34, requires 6 months, subject contain 5.6 months. - Due Diligence Vendor-03/26/2026 |  | Waived-Client Exception granted with compensating factorsException granted with supporting comp factors: Short reserves -$1,652.34, requires 6 months, subject contain 5.6 months. - Due Diligence Vendor-03/31/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.55 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Credit Score 20 points > minimum required<br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863317 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-06 10:10 | 2026-04-07 17:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client Exception granted with compensating factorsThe xxxxxx Project has less than 50% Owner-Occupancy and HOA has not yet turned over to unit owners. - Due Diligence Vendor-04/07/2026 <br> Open-The Builder is in control of the HOA Property is xxxxxx and as per HOA questionnaire<br>1. Does the developer own any of the units in the association?<br> No<br> 2.. Number of units owned by the HOA. - 0<br> - Due Diligence Vendor-04/06/2026 |  | Waived-Client Exception granted with compensating factorsThe xxxxxx Project has less than 50% Owner-Occupancy and HOA has not yet turned over to unit owners. - Due Diligence Vendor-04/07/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.48% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 335.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.03 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 10 points > minimum required.<br> DTI <= 40% which is below requirement in guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863319 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863360 | xxxxxx | C A | Closed | xxxxxx | 2026-04-06 08:08 | 2026-04-10 14:45 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP report to be within 30 days of closing - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. 4/9/26 - please see attached to clear - Due Diligence Vendor-04/10/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/06/2026 |  | Resolved-GAP report to be within 30 days of closing - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.26 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | 863360_xxxxxx_Gap_CR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863374 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863419 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 863436 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-10 12:07 | 2026-04-14 13:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-LCA score of 1/Eligible provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2026 <br> Counter-Please re-upload attachment - one was not provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Please see SSR with score 1 (no attachment provided) - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/10/2026 |  | Resolved-LCA score of 1/Eligible provided - Due Diligence Vendor-04/14/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.17 Years |  | #14 SSR_xxxxxx_14455028 (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863436 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-09 06:49 | 2026-04-14 09:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 10.84 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see assets - Due Diligence Vendor-04/13/2026 <br> Open-Audited Reserves of 1.38 are less than Guideline Required Reserves of 3 - Due Diligence Vendor-04/09/2026 |  | Resolved-Audited Reserves of 10.84 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-04/14/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.17 Years |  | 863436_xxxxxx_#2_Account_xxxxxx__30,000_Online_Transfer.pdf<br> 863436_xxxxxx_#2_Account_xxxxxx__30,000_Online_Transfer_(1).pdf<br> 863436_xxxxxx_#12_032426_xxxxxx_Personal_1608.pdf<br> 863436_xxxxxx_#13_List_of_assets_of_$162,682.pdf<br> 863436_xxxxxx_Feb._Business_2397_4-1_to_4-2_(1).pdf<br> 863436_xxxxxx_Feb._Business_2397_4-1_to_4-2.pdf<br> 863436_xxxxxx_Assets.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863439 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 14:55 | 2026-05-04 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Client Exception granted with compensating factorsexception granted to allow listing seasoning less than 6 months for cash out loan. - Due Diligence Vendor-05/04/2026 <br> Open-subject property was listed within 6 months of closing (listing terminated xxxxxx) - Due Diligence Vendor-05/04/2026 |  | Waived-Client Exception granted with compensating factorsexception granted to allow listing seasoning less than 6 months for cash out loan. - Due Diligence Vendor-05/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 42.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.62 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | BORROWER'S FICO SCORE IS 95+ THE MINIMUM REQUIRED BY THE PROGRAM. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863439 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-16 10:41 | 2026-03-16 10:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception granted with compensating factorsPROGRAM: TRANSFER APPRAISAL EXCEPTION TO ALLOW TRANSFER APPRAISAL MORE THAN 75 DAYS FROM THE SUBMISSION DATE. APPRAISAL IS 84 DAYS FROM THE SUBMISSION DATE. - Due Diligence Vendor-03/16/2026 |  | Waived-Client Exception granted with compensating factorsPROGRAM: TRANSFER APPRAISAL EXCEPTION TO ALLOW TRANSFER APPRAISAL MORE THAN 75 DAYS FROM THE SUBMISSION DATE. APPRAISAL IS 84 DAYS FROM THE SUBMISSION DATE. - Due Diligence Vendor-03/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 42.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.62 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | BORROWER'S FICO SCORE IS 95+ THE MINIMUM REQUIRED BY THE PROGRAM. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863440 | xxxxxx | B A | Closed | xxxxxx | 2026-04-15 06:36 | 2026-04-15 06:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED LOAN AMOUNT OF $150,000. - Due Diligence Vendor-04/15/2026 |  | Waived-Client Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED LOAN AMOUNT OF $150,000. - Due Diligence Vendor-04/15/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.59 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | DTI IS 27.398% 2. SUBJECT IS LOCATED IS xxxxxx, OVER 75% BUILT UP, STABLE PROPERTY VALUE, MARKETING TIME IS UNDER 3 MOS. C3 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863442 | xxxxxx | B A | Closed | xxxxxx | 2026-04-15 02:52 | 2026-04-22 16:29 | Waived | 2 - Non-Material B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Client Exception granted with compensating factorsUnable to Resolve-Corrected from Rescinded to Waived as per exception provided by lender. Appraiser confirms - no recent updates - Due Diligence Vendor-04/22/2026 <br> Open-EXCEPTION TO ALLOW APPRAISAL REPORT WITH CONDITION RATING AS C4, PAGE 927. - Due Diligence Vendor-04/15/2026 |  | Waived-Client Exception granted with compensating factorsUnable to Resolve-Corrected from Rescinded to Waived as per exception provided by lender. Appraiser confirms - no recent updates - Due Diligence Vendor-04/22/2026 <br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 792 AND LOW LTV/CLTV. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863442 | xxxxxx | B A | Closed | xxxxxx | 2026-04-15 02:51 | 2026-04-15 02:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW THE BORROWER BEING LIVING RENT-FREE AND INELIGIBLE PER GUIDELINE. - Due Diligence Vendor-04/15/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW THE BORROWER BEING LIVING RENT-FREE AND INELIGIBLE PER GUIDELINE. - Due Diligence Vendor-04/15/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 792 AND LOW LTV/CLTV. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863442 | xxxxxx | B A | Closed | xxxxxx | 2026-04-15 02:49 | 2026-04-15 02:49 | Waived | 2 - Non-Material B | Credit | Income | Continuity of Income Unsupported | Waived-Client Exception granted with compensating factorsLikelihood of income to continue is not supported. EXCEPTION TO ALLOW TWO INCOME STREAMS IN ONE ACCOUNT. - Due Diligence Vendor-04/15/2026 |  | Waived-Client Exception granted with compensating factorsLikelihood of income to continue is not supported. EXCEPTION TO ALLOW TWO INCOME STREAMS IN ONE ACCOUNT. - Due Diligence Vendor-04/15/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 792 AND LOW LTV/CLTV. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863442 | xxxxxx | B A | Closed | xxxxxx | 2026-04-15 02:38 | 2026-04-15 02:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW FIRST MORTGAGE LIEN (xxxxxx) BEING NOT REPORTED ON CREDIT REPORT. - Due Diligence Vendor-04/15/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION TO ALLOW FIRST MORTGAGE LIEN (SPS xxxxxx) BEING NOT REPORTED ON CREDIT REPORT. - Due Diligence Vendor-04/15/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO 792 AND LOW LTV/CLTV. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863443 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-26 13:52 | 2026-04-01 09:45 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-xxxxxx ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Counter-\*\*The original file does not contain a copy of the CD issued xxxxxx. Lender to provide a copy for review along with evidence of delivery. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Only 1 day waiting period from the xxxxxx pre cd issued because apr did not increase by .125% or more from the xxxxxx CD issued - Seller-03/26/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Ready for Review-Only 1 day waiting period from the xxxxxx pre cd issued because apr did not increase by .125% or more from the xxxxxx CD issued - Seller-03/26/2026 | Resolved-xxxxxx ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/01/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | VERIFICATION OF RECEIPT OF CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863443 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-26 11:00 | 2026-03-27 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing Payment History | Resolved-Lender provided xxxxxx contract. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Missing xxxxxx payment document showing in final 1003. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Lender provided xxxxxx contract. - Due Diligence Vendor-03/27/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx - xxxxxx Payment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863443 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-26 10:59 | 2026-03-27 16:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Lower value used by lender to determine LTV. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Missing desk review- Appraisal field review variance of -10.5% is greater than -10% below the appraised value. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Lower value used by lender to determine LTV. - Due Diligence Vendor-03/27/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FIELD REVIEW.pdf<br>CCA_OTHER APPRAISAL REVIEW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863443 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-25 05:10 | 2026-03-27 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863445 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863449 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863450 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863456 | xxxxxx | B A | Closed | xxxxxx | 2026-04-06 06:18 | 2026-04-06 06:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with compensating factorsEXCEPTION REQUIRED ON >3 NSF OCCURRENCES IN THE LAST 12 MONTHS - Due Diligence Vendor-04/06/2026 |  | Waived-Client Exception granted with compensating factorsEXCEPTION REQUIRED ON >3 NSF OCCURRENCES IN THE LAST 12 MONTHS - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.19 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.07 Years | 7.45% DTI; 9 MONTHS RESERVES; 791 FICO |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863464 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863543 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863555 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863556 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 02:08 | 2026-04-14 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. CPA VVOE - Seller-04/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing in file - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. CPA VVOE - Seller-04/14/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.92 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.95% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  | xxxxxx CPA LOE VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863641 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 09:12 | 2026-04-21 15:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see CDs - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*\*Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower.<br> - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | Full Review863641_xxxxxx_4_17_2026_83342_AM.zip<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260321_165319.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260119_114242.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260120_123745.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260124_194219.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260312_183855.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260323_163824.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260325_165219.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260324_111300.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260327_142119.pdf<br> 863641_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260326_111415.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863643 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863681 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863779 | xxxxxx | B A | Closed | xxxxxx | 2026-04-13 15:58 | 2026-04-21 19:33 | Resolved | 1 - Information B A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Within discretion of the lender. - Due Diligence Vendor-04/21/2026 <br> Waived-Client Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Exceptionapprovedfor the retentionof the departingprimary residencewith no EPOin accordancewith our guides for primary residence. - Due Diligence Vendor-04/13/2026 |  | Resolved-Within discretion of the lender. - Due Diligence Vendor-04/21/2026 <br>Waived-Client Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Exceptionapprovedfor the retentionof the departingprimary residencewith no EPOin accordancewith our guides for primary residence. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.29 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.29 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.36 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.29 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863801 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863816 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863820 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-02 12:11 | 2026-05-04 15:11 | Waived | 2 - Non-Material D B | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Waived-Client Exception granted with compensating factorsAn Attorney Preference Form, has been provided. However, the attorney selection was not performed. Documentation in package shows the attorney in question was representing the borrower prior to the application with Lender. The completion of the selection for this particular scenario is non-material, finding waived as informational. xxxxxx - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Right to Select Attorney disclosure attached. xxxxxx! - Due Diligence Vendor-04/20/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File \*\*\*\*\*\*Please provide entire initial disclosure package for review - Due Diligence Vendor-04/02/2026 |  | Waived-Client Exception granted with compensating factorsAn Attorney Preference Form, has been provided. However, the attorney selection was not performed. Documentation in package shows the attorney in question was representing the borrower prior to the application with Lender. The completion of the selection for this particular scenario is non-material, finding waived as informational. xxxxxx - Due Diligence Vendor-04/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review863820_xxxxxx_4_20_2026_113524_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863858 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863884 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863897 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863941 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 864004 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864071 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 10:50 | 2026-04-17 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. the 1008 showing the income calculation from UW - Seller-04/17/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/17/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. the 1008 showing the income calculation from UW - Seller-04/17/2026<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 1008 Transmittal Summary_2026_04_16_@05_22_35.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864076 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 864270 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864598 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.10

**EXHIBIT 99.10**

**CANOPY RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 840909 | xxxxxx |  | xxxxxx A |
| 844088 | xxxxxx |  | xxxxxx A |
| 846780 | xxxxxx |  | xxxxxx C A |
| 847418 | xxxxxx |  | xxxxxx B A |
| 847539 | xxxxxx |  | xxxxxx C A |
| 848794 | xxxxxx |  | xxxxxx A |
| 849001 | xxxxxx |  | xxxxxx D A |
| 849500 | xxxxxx |  | xxxxxx D A |
| 849631 | xxxxxx |  | xxxxxx A |
| 850997 | xxxxxx |  | xxxxxx C A |
| 851488 | xxxxxx |  | xxxxxx A |
| 851550 | xxxxxx |  | xxxxxx A |
| 851828 | xxxxxx |  | xxxxxx A |
| 851918 | xxxxxx |  | xxxxxx A |
| 851978 | xxxxxx |  | xxxxxx A |
| 852098 | xxxxxx |  | xxxxxx A |
| 852205 | xxxxxx |  | xxxxxx A D |
| 852361 | xxxxxx |  | xxxxxx A |
| 852369 | xxxxxx |  | xxxxxx A |
| 852371 | xxxxxx |  | xxxxxx A |
| 852372 | xxxxxx |  | xxxxxx A |
| 852392 | xxxxxx |  | xxxxxx D A C |
| 852438 | xxxxxx |  | xxxxxx D A |
| 852506 | xxxxxx |  | xxxxxx A |
| 852507 | xxxxxx |  | xxxxxx A |
| 852516 | xxxxxx |  | xxxxxx B A |
| 852541 | xxxxxx |  | xxxxxx D A |
| 852588 | xxxxxx |  | xxxxxx A C |
| 852603 | xxxxxx |  | xxxxxx D A |
| 852673 | xxxxxx |  | xxxxxx D A |
| 852784 | xxxxxx |  | xxxxxx A |
| 852885 | xxxxxx |  | xxxxxx D C A |
| 852901 | xxxxxx |  | xxxxxx A |
| 852907 | xxxxxx |  | xxxxxx A D |
| 852910 | xxxxxx |  | xxxxxx A |
| 852915 | xxxxxx |  | xxxxxx A |
| 852925 | xxxxxx |  | xxxxxx A |
| 852930 | xxxxxx |  | xxxxxx A |
| 852979 | xxxxxx |  | xxxxxx D A |
| 853101 | xxxxxx |  | xxxxxx B A |
| 853109 | xxxxxx |  | xxxxxx A |
| 853142 | xxxxxx |  | xxxxxx A |
| 853304 | xxxxxx |  | xxxxxx A |
| 853312 | xxxxxx |  | xxxxxx A |
| 853398 | xxxxxx |  | xxxxxx D A |
| 853401 | xxxxxx |  | xxxxxx A D |
| 853412 | xxxxxx |  | xxxxxx D A |
| 853418 | xxxxxx |  | xxxxxx A |
| 853419 | xxxxxx |  | xxxxxx A |
| 853527 | xxxxxx |  | xxxxxx A |
| 853543 | xxxxxx |  | xxxxxx A |
| 853571 | xxxxxx |  | xxxxxx A |
| 853588 | xxxxxx |  | xxxxxx A |
| 853648 | xxxxxx |  | xxxxxx A |
| 853651 | xxxxxx |  | xxxxxx A |
| 853696 | xxxxxx |  | xxxxxx A D |
| 853702 | xxxxxx |  | xxxxxx A |
| 853764 | xxxxxx |  | xxxxxx A |
| 853829 | xxxxxx |  | xxxxxx D A |
| 853867 | xxxxxx |  | xxxxxx D A B |
| 853905 | xxxxxx |  | xxxxxx A |
| 853935 | xxxxxx |  | xxxxxx D A |
| 853947 | xxxxxx |  | xxxxxx B A |
| 853948 | xxxxxx |  | xxxxxx B A |
| 853968 | xxxxxx |  | xxxxxx A |
| 854013 | xxxxxx |  | xxxxxx A |
| 854095 | xxxxxx |  | xxxxxx A |
| 854103 | xxxxxx |  | xxxxxx A |
| 854109 | xxxxxx |  | xxxxxx B A |
| 854136 | xxxxxx |  | xxxxxx A |
| 854215 | xxxxxx |  | xxxxxx A |
| 854225 | xxxxxx |  | xxxxxx A |
| 854239 | xxxxxx |  | xxxxxx A |
| 854296 | xxxxxx |  | xxxxxx A |
| 854333 | xxxxxx |  | xxxxxx A NA D |
| 854337 | xxxxxx |  | xxxxxx A |
| 854339 | xxxxxx |  | xxxxxx A |
| 854346 | xxxxxx |  | xxxxxx A |
| 854353 | xxxxxx |  | xxxxxx A C |
| 854489 | xxxxxx |  | xxxxxx A |
| 854521 | xxxxxx |  | xxxxxx B A |
| 854539 | xxxxxx |  | xxxxxx A |
| 854557 | xxxxxx |  | xxxxxx D A |
| 854572 | xxxxxx |  | xxxxxx A |
| 854577 | xxxxxx |  | xxxxxx A |
| 854622 | xxxxxx |  | xxxxxx A |
| 854623 | xxxxxx |  | xxxxxx A D |
| 854629 | xxxxxx |  | xxxxxx A |
| 854674 | xxxxxx |  | xxxxxx A |
| 854729 | xxxxxx |  | xxxxxx A |
| 854731 | xxxxxx |  | xxxxxx A |
| 854732 | xxxxxx |  | xxxxxx A D |
| 854737 | xxxxxx |  | xxxxxx D A |
| 854793 | xxxxxx |  | xxxxxx D A |
| 854794 | xxxxxx |  | xxxxxx A |
| 854800 | xxxxxx |  | xxxxxx B A |
| 854801 | xxxxxx |  | xxxxxx B A |
| 854877 | xxxxxx |  | xxxxxx A |
| 854881 | xxxxxx |  | xxxxxx B A |
| 854902 | xxxxxx |  | xxxxxx A D |
| 855018 | xxxxxx |  | xxxxxx A |
| 855030 | xxxxxx |  | xxxxxx A |
| 855069 | xxxxxx |  | xxxxxx A |
| 855088 | xxxxxx |  | xxxxxx A |
| 855092 | xxxxxx |  | xxxxxx D A |
| 855106 | xxxxxx |  | xxxxxx A |
| 855122 | xxxxxx |  | xxxxxx A |
| 855154 | xxxxxx |  | xxxxxx D C A |
| 855162 | xxxxxx |  | xxxxxx A |
| 855163 | xxxxxx |  | xxxxxx A |
| 855172 | xxxxxx |  | xxxxxx A |
| 855182 | xxxxxx |  | xxxxxx A |
| 855222 | xxxxxx |  | xxxxxx B A |
| 855228 | xxxxxx |  | xxxxxx A |
| 855231 | xxxxxx |  | xxxxxx A |
| 855233 | xxxxxx |  | xxxxxx D A B |
| 855239 | xxxxxx |  | xxxxxx A |
| 855245 | xxxxxx |  | xxxxxx A |
| 855253 | xxxxxx |  | xxxxxx A |
| 855271 | xxxxxx |  | xxxxxx C A |
| 855284 | xxxxxx |  | xxxxxx A |
| 855285 | xxxxxx |  | xxxxxx A |
| 855299 | xxxxxx |  | xxxxxx A |
| 855303 | xxxxxx |  | xxxxxx B A |
| 855309 | xxxxxx |  | xxxxxx A |
| 855314 | xxxxxx |  | xxxxxx A |
| 855325 | xxxxxx |  | xxxxxx A |
| 855339 | xxxxxx |  | xxxxxx A |
| 855466 | xxxxxx |  | xxxxxx A |
| 855476 | xxxxxx |  | xxxxxx A |
| 855482 | xxxxxx |  | xxxxxx A |
| 855595 | xxxxxx |  | xxxxxx A |
| 855610 | xxxxxx |  | xxxxxx A |
| 855640 | xxxxxx |  | xxxxxx B A |
| 855643 | xxxxxx |  | xxxxxx A |
| 855775 | xxxxxx |  | xxxxxx B D A |
| 855777 | xxxxxx |  | xxxxxx A |
| 856102 | xxxxxx |  | xxxxxx C A B |
| 856130 | xxxxxx |  | xxxxxx A |
| 856144 | xxxxxx |  | xxxxxx D A |
| 856157 | xxxxxx |  | xxxxxx B A |
| 856159 | xxxxxx |  | xxxxxx A |
| 856309 | xxxxxx |  | xxxxxx C NA |
| 856315 | xxxxxx |  | xxxxxx D A |
| 856338 | xxxxxx |  | xxxxxx B A |
| 856341 | xxxxxx |  | xxxxxx A |
| 856367 | xxxxxx |  | xxxxxx A |
| 856372 | xxxxxx |  | xxxxxx A D |
| 856390 | xxxxxx |  | xxxxxx B A |
| 856402 | xxxxxx |  | xxxxxx D A |
| 856410 | xxxxxx |  | xxxxxx A |
| 856415 | xxxxxx |  | xxxxxx A |
| 856508 | xxxxxx |  | xxxxxx A |
| 856509 | xxxxxx |  | xxxxxx A |
| 856515 | xxxxxx |  | xxxxxx C A D |
| 856521 | xxxxxx |  | xxxxxx A |
| 856529 | xxxxxx |  | xxxxxx D A C |
| 856559 | xxxxxx |  | xxxxxx C D A |
| 856566 | xxxxxx |  | xxxxxx D A |
| 856570 | xxxxxx |  | xxxxxx A |
| 856571 | xxxxxx |  | xxxxxx C A B |
| 856572 | xxxxxx |  | xxxxxx A |
| 856576 | xxxxxx |  | xxxxxx A |
| 856578 | xxxxxx |  | xxxxxx A |
| 856579 | xxxxxx |  | xxxxxx A |
| 856595 | xxxxxx |  | xxxxxx B A |
| 856604 | xxxxxx |  | xxxxxx D A |
| 856625 | xxxxxx |  | xxxxxx B A |
| 856637 | xxxxxx |  | xxxxxx D A B |
| 856641 | xxxxxx |  | xxxxxx A |
| 856702 | xxxxxx |  | xxxxxx B A |
| 856705 | xxxxxx |  | xxxxxx A |
| 856714 | xxxxxx |  | xxxxxx B A |
| 856729 | xxxxxx |  | xxxxxx B A |
| 856743 | xxxxxx |  | xxxxxx A |
| 856786 | xxxxxx |  | xxxxxx A |
| 856787 | xxxxxx |  | xxxxxx A |
| 856824 | xxxxxx |  | xxxxxx A |
| 856827 | xxxxxx |  | xxxxxx A |
| 856830 | xxxxxx |  | xxxxxx A |
| 856867 | xxxxxx |  | xxxxxx B A |
| 856888 | xxxxxx |  | xxxxxx B A |
| 856890 | xxxxxx |  | xxxxxx A |
| 856891 | xxxxxx |  | xxxxxx A |
| 856898 | xxxxxx |  | xxxxxx A |
| 856920 | xxxxxx |  | xxxxxx A |
| 856922 | xxxxxx |  | xxxxxx A |
| 856936 | xxxxxx |  | xxxxxx A |
| 856938 | xxxxxx |  | xxxxxx C A B |
| 856948 | xxxxxx |  | xxxxxx C A B |
| 856953 | xxxxxx |  | xxxxxx A NA C |
| 856959 | xxxxxx |  | xxxxxx A |
| 856968 | xxxxxx |  | xxxxxx A |
| 856979 | xxxxxx |  | xxxxxx D A |
| 856986 | xxxxxx |  | xxxxxx A |
| 856994 | xxxxxx |  | xxxxxx A |
| 857177 | xxxxxx |  | xxxxxx D A B |
| 857181 | xxxxxx |  | xxxxxx C A D B |
| 857185 | xxxxxx |  | xxxxxx C A D B |
| 857186 | xxxxxx |  | xxxxxx D A B |
| 857220 | xxxxxx |  | xxxxxx C A B |
| 857312 | xxxxxx |  | xxxxxx A |
| 857328 | xxxxxx |  | xxxxxx A |
| 857339 | xxxxxx |  | xxxxxx A |
| 857342 | xxxxxx |  | xxxxxx B A |
| 857375 | xxxxxx |  | xxxxxx A |
| 857376 | xxxxxx |  | xxxxxx A |
| 857391 | xxxxxx |  | xxxxxx C A D B |
| 857393 | xxxxxx |  | xxxxxx C A D B |
| 857396 | xxxxxx |  | xxxxxx D A B |
| 857397 | xxxxxx |  | xxxxxx C A B |
| 857420 | xxxxxx |  | xxxxxx D A |
| 857426 | xxxxxx |  | xxxxxx D A |
| 857437 | xxxxxx |  | xxxxxx D A |
| 857441 | xxxxxx |  | xxxxxx D A |
| 857479 | xxxxxx |  | xxxxxx A |
| 857480 | xxxxxx |  | xxxxxx B A |
| 857482 | xxxxxx |  | xxxxxx A |
| 857483 | xxxxxx |  | xxxxxx B A |
| 857484 | xxxxxx |  | xxxxxx B A |
| 857485 | xxxxxx |  | xxxxxx C A B |
| 857553 | xxxxxx |  | xxxxxx A |
| 857556 | xxxxxx |  | xxxxxx B A |
| 857579 | xxxxxx |  | xxxxxx A |
| 857593 | xxxxxx |  | xxxxxx A |
| 857651 | xxxxxx |  | xxxxxx B A |
| 857704 | xxxxxx |  | xxxxxx D A |
| 857711 | xxxxxx |  | xxxxxx C A B |
| 857720 | xxxxxx |  | xxxxxx A |
| 857722 | xxxxxx |  | xxxxxx C A B |
| 857729 | xxxxxx |  | xxxxxx D A B |
| 857731 | xxxxxx |  | xxxxxx A |
| 857735 | xxxxxx |  | xxxxxx A |
| 857754 | xxxxxx |  | xxxxxx D A |
| 857772 | xxxxxx |  | xxxxxx A |
| 857814 | xxxxxx |  | xxxxxx A |
| 857891 | xxxxxx |  | xxxxxx A |
| 857895 | xxxxxx |  | xxxxxx A |
| 857911 | xxxxxx |  | xxxxxx A |
| 857936 | xxxxxx |  | xxxxxx A |
| 857972 | xxxxxx |  | xxxxxx D NA C |
| 857978 | xxxxxx |  | xxxxxx C A B |
| 857985 | xxxxxx |  | xxxxxx A |
| 858001 | xxxxxx |  | xxxxxx A |
| 858022 | xxxxxx |  | xxxxxx D A |
| 858028 | xxxxxx |  | xxxxxx A |
| 858030 | xxxxxx |  | xxxxxx D A |
| 858035 | xxxxxx |  | xxxxxx C A |
| 858063 | xxxxxx |  | xxxxxx A |
| 858068 | xxxxxx |  | xxxxxx C A |
| 858090 | xxxxxx |  | xxxxxx D A C |
| 858093 | xxxxxx |  | xxxxxx D A B |
| 858095 | xxxxxx |  | xxxxxx C A B |
| 858108 | xxxxxx |  | xxxxxx B D A |
| 858154 | xxxxxx |  | xxxxxx A |
| 858158 | xxxxxx |  | xxxxxx A |
| 858216 | xxxxxx |  | xxxxxx C A |
| 858229 | xxxxxx |  | xxxxxx C A B |
| 858231 | xxxxxx |  | xxxxxx D A B |
| 858234 | xxxxxx |  | xxxxxx D A B |
| 858235 | xxxxxx |  | xxxxxx C A B |
| 858240 | xxxxxx |  | xxxxxx B A |
| 858244 | xxxxxx |  | xxxxxx A |
| 858250 | xxxxxx |  | xxxxxx D A |
| 858259 | xxxxxx |  | xxxxxx A |
| 858267 | xxxxxx |  | xxxxxx D A |
| 858270 | xxxxxx |  | xxxxxx D A |
| 858271 | xxxxxx |  | xxxxxx D A C B |
| 858273 | xxxxxx |  | xxxxxx D C A |
| 858276 | xxxxxx |  | xxxxxx A |
| 858277 | xxxxxx |  | xxxxxx A |
| 858285 | xxxxxx |  | xxxxxx A |
| 858287 | xxxxxx |  | xxxxxx B A |
| 858288 | xxxxxx |  | xxxxxx A |
| 858289 | xxxxxx |  | xxxxxx A |
| 858290 | xxxxxx |  | xxxxxx D A |
| 858291 | xxxxxx |  | xxxxxx A |
| 858292 | xxxxxx |  | xxxxxx A |
| 858297 | xxxxxx |  | xxxxxx C A |
| 858298 | xxxxxx |  | xxxxxx A |
| 858299 | xxxxxx |  | xxxxxx A |
| 858300 | xxxxxx |  | xxxxxx A |
| 858306 | xxxxxx |  | xxxxxx A |
| 858308 | xxxxxx |  | xxxxxx A |
| 858309 | xxxxxx |  | xxxxxx D A |
| 858311 | xxxxxx |  | xxxxxx A |
| 858324 | xxxxxx |  | xxxxxx C A B |
| 858330 | xxxxxx |  | xxxxxx B A |
| 858335 | xxxxxx |  | xxxxxx A B |
| 858336 | xxxxxx |  | xxxxxx C A |
| 858348 | xxxxxx |  | xxxxxx A C B |
| 858387 | xxxxxx |  | xxxxxx A |
| 858533 | xxxxxx |  | xxxxxx A |
| 858535 | xxxxxx |  | xxxxxx A C |
| 858542 | xxxxxx |  | xxxxxx A |
| 858565 | xxxxxx |  | xxxxxx A |
| 858586 | xxxxxx |  | xxxxxx C A B |
| 858587 | xxxxxx |  | xxxxxx A |
| 858646 | xxxxxx |  | xxxxxx B A |
| 858656 | xxxxxx |  | xxxxxx D NA C |
| 858721 | xxxxxx |  | xxxxxx D C A |
| 858746 | xxxxxx |  | xxxxxx C A B |
| 858778 | xxxxxx |  | xxxxxx A NA C |
| 858788 | xxxxxx |  | xxxxxx A |
| 858826 | xxxxxx |  | xxxxxx B C A |
| 858888 | xxxxxx |  | xxxxxx A |
| 858912 | xxxxxx |  | xxxxxx A |
| 859041 | xxxxxx |  | xxxxxx A |
| 859061 | xxxxxx |  | xxxxxx C A |
| 859062 | xxxxxx |  | xxxxxx A C |
| 859063 | xxxxxx |  | xxxxxx D A |
| 859066 | xxxxxx |  | xxxxxx A |
| 859075 | xxxxxx |  | xxxxxx D A |
| 859095 | xxxxxx |  | xxxxxx D A |
| 859130 | xxxxxx |  | xxxxxx B A |
| 859142 | xxxxxx |  | xxxxxx A |
| 859158 | xxxxxx |  | xxxxxx A D |
| 859161 | xxxxxx |  | xxxxxx B A |
| 859277 | xxxxxx |  | xxxxxx C A |
| 859292 | xxxxxx |  | xxxxxx A |
| 859459 | xxxxxx |  | xxxxxx D A |
| 859469 | xxxxxx |  | xxxxxx A |
| 859477 | xxxxxx |  | xxxxxx A C |
| 859615 | xxxxxx |  | xxxxxx B D A |
| 859644 | xxxxxx |  | xxxxxx A |
| 859650 | xxxxxx |  | xxxxxx A NA |
| 859711 | xxxxxx |  | xxxxxx C A |
| 859715 | xxxxxx |  | xxxxxx A |
| 859736 | xxxxxx |  | xxxxxx A |
| 859759 | xxxxxx |  | xxxxxx B A |
| 859760 | xxxxxx |  | xxxxxx B A |
| 859777 | xxxxxx |  | xxxxxx A |
| 859790 | xxxxxx |  | xxxxxx A |
| 859798 | xxxxxx |  | xxxxxx D A |
| 859830 | xxxxxx |  | xxxxxx A |
| 859862 | xxxxxx |  | xxxxxx C D A B |
| 859896 | xxxxxx |  | xxxxxx A |
| 859908 | xxxxxx |  | xxxxxx A C |
| 859950 | xxxxxx |  | xxxxxx A C |
| 859980 | xxxxxx |  | xxxxxx C NA |
| 860034 | xxxxxx |  | xxxxxx A NA C |
| 860071 | xxxxxx |  | xxxxxx A |
| 860073 | xxxxxx |  | xxxxxx B D A |
| 860094 | xxxxxx |  | xxxxxx A |
| 860138 | xxxxxx |  | xxxxxx A |
| 860160 | xxxxxx |  | xxxxxx D A |
| 860234 | xxxxxx |  | xxxxxx A |
| 860242 | xxxxxx |  | xxxxxx A |
| 860245 | xxxxxx |  | xxxxxx A C |
| 860255 | xxxxxx |  | xxxxxx A |
| 860262 | xxxxxx |  | xxxxxx D A |
| 860266 | xxxxxx |  | xxxxxx A |
| 860267 | xxxxxx |  | xxxxxx A |
| 860281 | xxxxxx |  | xxxxxx A |
| 860297 | xxxxxx |  | xxxxxx A |
| 860307 | xxxxxx |  | xxxxxx C A |
| 860317 | xxxxxx |  | xxxxxx D A |
| 860337 | xxxxxx |  | xxxxxx A NA |
| 860342 | xxxxxx |  | xxxxxx D A |
| 860345 | xxxxxx |  | xxxxxx D A |
| 860355 | xxxxxx |  | xxxxxx A |
| 860366 | xxxxxx |  | xxxxxx A NA |
| 860380 | xxxxxx |  | xxxxxx A |
| 860398 | xxxxxx |  | xxxxxx D A |
| 860407 | xxxxxx |  | xxxxxx A |
| 860415 | xxxxxx |  | xxxxxx A |
| 860436 | xxxxxx |  | xxxxxx D A |
| 860450 | xxxxxx |  | xxxxxx A |
| 860456 | xxxxxx |  | xxxxxx A |
| 860468 | xxxxxx |  | xxxxxx A |
| 860469 | xxxxxx |  | xxxxxx A |
| 860472 | xxxxxx |  | xxxxxx A |
| 860537 | xxxxxx |  | xxxxxx A |
| 860546 | xxxxxx |  | xxxxxx D A |
| 860559 | xxxxxx |  | xxxxxx A |
| 860572 | xxxxxx |  | xxxxxx A D |
| 860600 | xxxxxx |  | xxxxxx C NA B |
| 860606 | xxxxxx |  | xxxxxx D NA |
| 860617 | xxxxxx |  | xxxxxx A |
| 860619 | xxxxxx |  | xxxxxx D C A |
| 860623 | xxxxxx |  | xxxxxx D A |
| 860633 | xxxxxx |  | xxxxxx A |
| 860651 | xxxxxx |  | xxxxxx A C |
| 860729 | xxxxxx |  | xxxxxx B A |
| 860739 | xxxxxx |  | xxxxxx D NA C B |
| 860743 | xxxxxx |  | xxxxxx D A B |
| 860744 | xxxxxx |  | xxxxxx A |
| 860747 | xxxxxx |  | xxxxxx A D B |
| 860760 | xxxxxx |  | xxxxxx A |
| 860780 | xxxxxx |  | xxxxxx D A |
| 860814 | xxxxxx |  | xxxxxx B A |
| 860830 | xxxxxx |  | xxxxxx A NA |
| 860831 | xxxxxx |  | xxxxxx C A |
| 860836 | xxxxxx |  | xxxxxx A C |
| 860853 | xxxxxx |  | xxxxxx A C |
| 860879 | xxxxxx |  | xxxxxx A |
| 860880 | xxxxxx |  | xxxxxx C A B |
| 860882 | xxxxxx |  | xxxxxx A |
| 860935 | xxxxxx |  | xxxxxx A |
| 860936 | xxxxxx |  | xxxxxx A C |
| 860941 | xxxxxx |  | xxxxxx A C |
| 860945 | xxxxxx |  | xxxxxx A |
| 860948 | xxxxxx |  | xxxxxx A C |
| 860956 | xxxxxx |  | xxxxxx A |
| 860969 | xxxxxx |  | xxxxxx D A |
| 860990 | xxxxxx |  | xxxxxx A |
| 860995 | xxxxxx |  | xxxxxx A |
| 861001 | xxxxxx |  | xxxxxx A |
| 861003 | xxxxxx |  | xxxxxx B C A |
| 861006 | xxxxxx |  | xxxxxx D A |
| 861010 | xxxxxx |  | xxxxxx A |
| 861076 | xxxxxx |  | xxxxxx A |
| 861084 | xxxxxx |  | xxxxxx D A |
| 861110 | xxxxxx |  | xxxxxx A |
| 861121 | xxxxxx |  | xxxxxx A |
| 861127 | xxxxxx |  | xxxxxx A |
| 861128 | xxxxxx |  | xxxxxx A |
| 861138 | xxxxxx |  | xxxxxx A |
| 861146 | xxxxxx |  | xxxxxx C A B |
| 861151 | xxxxxx |  | xxxxxx B A |
| 861152 | xxxxxx |  | xxxxxx A D B |
| 861157 | xxxxxx |  | xxxxxx A |
| 861170 | xxxxxx |  | xxxxxx A |
| 861177 | xxxxxx |  | xxxxxx D A |
| 861197 | xxxxxx |  | xxxxxx A NA |
| 861200 | xxxxxx |  | xxxxxx A |
| 861203 | xxxxxx |  | xxxxxx D A |
| 861204 | xxxxxx |  | xxxxxx A |
| 861222 | xxxxxx |  | xxxxxx A |
| 861234 | xxxxxx |  | xxxxxx A C |
| 861237 | xxxxxx |  | xxxxxx A |
| 861243 | xxxxxx |  | xxxxxx A C |
| 861247 | xxxxxx |  | xxxxxx A NA |
| 861268 | xxxxxx |  | xxxxxx D A |
| 861276 | xxxxxx |  | xxxxxx B A |
| 861282 | xxxxxx |  | xxxxxx B A |
| 861306 | xxxxxx |  | xxxxxx A |
| 861312 | xxxxxx |  | xxxxxx A |
| 861335 | xxxxxx |  | xxxxxx D A |
| 861344 | xxxxxx |  | xxxxxx A |
| 861377 | xxxxxx |  | xxxxxx D NA |
| 861407 | xxxxxx |  | xxxxxx B C A |
| 861416 | xxxxxx |  | xxxxxx A C |
| 861423 | xxxxxx |  | xxxxxx A |
| 861427 | xxxxxx |  | xxxxxx D A |
| 861468 | xxxxxx |  | xxxxxx D A B |
| 861476 | xxxxxx |  | xxxxxx A NA |
| 861477 | xxxxxx |  | xxxxxx A |
| 861480 | xxxxxx |  | xxxxxx A |
| 861485 | xxxxxx |  | xxxxxx D C A |
| 861501 | xxxxxx |  | xxxxxx A |
| 861549 | xxxxxx |  | xxxxxx A |
| 861551 | xxxxxx |  | xxxxxx A |
| 861572 | xxxxxx |  | xxxxxx D C A |
| 861579 | xxxxxx |  | xxxxxx A NA |
| 861584 | xxxxxx |  | xxxxxx D A |
| 861587 | xxxxxx |  | xxxxxx D A |
| 861588 | xxxxxx |  | xxxxxx D A |
| 861591 | xxxxxx |  | xxxxxx C A B |
| 861601 | xxxxxx |  | xxxxxx A C |
| 861605 | xxxxxx |  | xxxxxx A |
| 861606 | xxxxxx |  | xxxxxx A |
| 861609 | xxxxxx |  | xxxxxx D A |
| 861618 | xxxxxx |  | xxxxxx A |
| 861646 | xxxxxx |  | xxxxxx A NA |
| 861650 | xxxxxx |  | xxxxxx D A |
| 861725 | xxxxxx |  | xxxxxx D C A |
| 861729 | xxxxxx |  | xxxxxx A |
| 861731 | xxxxxx |  | xxxxxx A |
| 861740 | xxxxxx |  | xxxxxx A |
| 861741 | xxxxxx |  | xxxxxx A |
| 861755 | xxxxxx |  | xxxxxx D NA |
| 861773 | xxxxxx |  | xxxxxx A |
| 861798 | xxxxxx |  | xxxxxx A |
| 861994 | xxxxxx |  | xxxxxx C A B |
| 862000 | xxxxxx |  | xxxxxx A C |
| 862006 | xxxxxx |  | xxxxxx A NA C |
| 862010 | xxxxxx |  | xxxxxx A NA C |
| 862021 | xxxxxx |  | xxxxxx B A |
| 862035 | xxxxxx |  | xxxxxx A |
| 862046 | xxxxxx |  | xxxxxx A C B |
| 862052 | xxxxxx |  | xxxxxx D NA C |
| 862064 | xxxxxx |  | xxxxxx A C D B |
| 862117 | xxxxxx |  | xxxxxx D NA |
| 862119 | xxxxxx |  | xxxxxx A |
| 862127 | xxxxxx |  | xxxxxx D A B |
| 862147 | xxxxxx |  | xxxxxx A |
| 862148 | xxxxxx |  | xxxxxx D A |
| 862153 | xxxxxx |  | xxxxxx B A |
| 862164 | xxxxxx |  | xxxxxx D A |
| 862189 | xxxxxx |  | xxxxxx C A |
| 862203 | xxxxxx |  | xxxxxx A |
| 862235 | xxxxxx |  | xxxxxx A |
| 862249 | xxxxxx |  | xxxxxx D A |
| 862288 | xxxxxx |  | xxxxxx A |
| 862289 | xxxxxx |  | xxxxxx C A |
| 862291 | xxxxxx |  | xxxxxx A |
| 862346 | xxxxxx |  | xxxxxx C A B |
| 862348 | xxxxxx |  | xxxxxx D A |
| 862468 | xxxxxx |  | xxxxxx A |
| 862472 | xxxxxx |  | xxxxxx D A |
| 862474 | xxxxxx |  | xxxxxx D A |
| 862475 | xxxxxx |  | xxxxxx A |
| 862478 | xxxxxx |  | xxxxxx A |
| 862493 | xxxxxx |  | xxxxxx A |
| 862497 | xxxxxx |  | xxxxxx A |
| 862503 | xxxxxx |  | xxxxxx A |
| 862511 | xxxxxx |  | xxxxxx A |
| 862540 | xxxxxx |  | xxxxxx A |
| 862544 | xxxxxx |  | xxxxxx B A |
| 862548 | xxxxxx |  | xxxxxx D A |
| 862570 | xxxxxx |  | xxxxxx A NA |
| 862572 | xxxxxx |  | xxxxxx C A |
| 862593 | xxxxxx |  | xxxxxx A C |
| 862595 | xxxxxx |  | xxxxxx A |
| 862603 | xxxxxx |  | xxxxxx A |
| 862616 | xxxxxx |  | xxxxxx A |
| 862622 | xxxxxx |  | xxxxxx A |
| 862625 | xxxxxx |  | xxxxxx A |
| 862631 | xxxxxx |  | xxxxxx A NA C B |
| 862653 | xxxxxx |  | xxxxxx C A |
| 862660 | xxxxxx |  | xxxxxx A |
| 862705 | xxxxxx |  | xxxxxx A NA |
| 862941 | xxxxxx |  | xxxxxx C A B |
| 862945 | xxxxxx |  | xxxxxx D A |
| 862951 | xxxxxx |  | xxxxxx D C A B |
| 862970 | xxxxxx |  | xxxxxx A NA C |
| 863011 | xxxxxx |  | xxxxxx A |
| 863037 | xxxxxx |  | xxxxxx D A B |
| 863043 | xxxxxx |  | xxxxxx B A |
| 863169 | xxxxxx |  | xxxxxx D A |
| 863170 | xxxxxx |  | xxxxxx D A |
| 863172 | xxxxxx |  | xxxxxx A |
| 863199 | xxxxxx |  | xxxxxx A |
| 863203 | xxxxxx |  | xxxxxx A |
| 863221 | xxxxxx |  | xxxxxx C A |
| 863246 | xxxxxx |  | xxxxxx C A B |
| 863255 | xxxxxx |  | xxxxxx A |
| 863312 | xxxxxx |  | xxxxxx A |
| 863315 | xxxxxx |  | xxxxxx C A B |
| 863317 | xxxxxx |  | xxxxxx C A B |
| 863319 | xxxxxx |  | xxxxxx A |
| 863360 | xxxxxx |  | xxxxxx C A |
| 863374 | xxxxxx |  | xxxxxx A |
| 863419 | xxxxxx |  | xxxxxx A |
| 863436 | xxxxxx |  | xxxxxx C A D |
| 863439 | xxxxxx |  | xxxxxx C NA B |
| 863440 | xxxxxx |  | xxxxxx B NA |
| 863442 | xxxxxx |  | xxxxxx B NA |
| 863443 | xxxxxx |  | xxxxxx D NA C |
| 863445 | xxxxxx |  | xxxxxx A |
| 863449 | xxxxxx |  | xxxxxx A |
| 863450 | xxxxxx |  | xxxxxx A |
| 863456 | xxxxxx |  | xxxxxx B A |
| 863464 | xxxxxx |  | xxxxxx A |
| 863543 | xxxxxx |  | xxxxxx A |
| 863555 | xxxxxx |  | xxxxxx A |
| 863556 | xxxxxx |  | xxxxxx D A |
| 863641 | xxxxxx |  | xxxxxx A C |
| 863643 | xxxxxx |  | xxxxxx A |
| 863681 | xxxxxx |  | xxxxxx A |
| 863779 | xxxxxx |  | xxxxxx B A |
| 863801 | xxxxxx |  | xxxxxx A |
| 863816 | xxxxxx |  | xxxxxx A |
| 863820 | xxxxxx |  | xxxxxx A D B |
| 863858 | xxxxxx |  | xxxxxx A |
| 863884 | xxxxxx |  | xxxxxx A |
| 863897 | xxxxxx |  | xxxxxx A |
| 863941 | xxxxxx |  | xxxxxx A |
| 864004 | xxxxxx |  | xxxxxx A |
| 864066 | xxxxxx |  | xxxxxx A |
| 864071 | xxxxxx |  | xxxxxx D A |
| 864076 | xxxxxx |  | xxxxxx A |
| 864270 | xxxxxx |  | xxxxxx A |
| 864598 | xxxxxx |  | xxxxxx A |

---

## Exhibit 99.11

**EXHIBIT 99.11**

**CANOPY DATA COMPARE REPORT**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 840909 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 844088 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 844088 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844088 | xxxxxx |  | Qualifying Total Debt Income Ratio | 16.4 | 25.50 |
| 846780 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847418 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 847539 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 848794 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 848794 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849500 | xxxxxx |  | Qualifying FICO | 681 | 682 |
| 849631 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849631 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 850997 | xxxxxx |  | Calculated DSCR | 0.658 | 0.7103 |
| 851828 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851978 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852205 | xxxxxx |  | Number of Units | 3 | 4 |
| 852369 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 852371 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852438 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852438 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852507 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852507 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852516 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 852541 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852603 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852885 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852901 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852930 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853142 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853142 | xxxxxx |  | Qualifying CLTV | 60 | 65 |
| 853142 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 853142 | xxxxxx |  | Qualifying LTV | 60 | 65 |
| 853304 | xxxxxx |  | Prepayment Penalty Total Term | 0 | 36 |
| 853304 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853312 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853312 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853398 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853401 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853401 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853412 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853418 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853419 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853527 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853648 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853648 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 853651 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853651 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853651 | xxxxxx |  | Qualifying CLTV | 70 | 65.36 |
| 853651 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 853651 | xxxxxx |  | Qualifying LTV | 70 | 65.36 |
| 853702 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853935 | xxxxxx |  | Margin | 6.5 | 2 |
| 853935 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853947 | xxxxxx |  | Calculated DSCR | 1.192 | 0.91 |
| 853947 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 853948 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 853948 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 854103 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854109 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854239 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854339 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 854339 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 854339 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 854353 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 854353 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854489 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854521 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854539 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854539 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854539 | xxxxxx |  | Qualifying CLTV | 34.42 | 37.86 |
| 854539 | xxxxxx |  | Qualifying FICO | 746 | 721 |
| 854539 | xxxxxx |  | Qualifying LTV | 34.42 | 37.86 |
| 854557 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854557 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854622 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854623 | xxxxxx |  | Property Type | Single Family Detached | Mixed Use |
| 854731 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854731 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 854737 | xxxxxx |  | Interest Rate | 6.625 | 6.9900 |
| 854737 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 854737 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 854737 | xxxxxx |  | Qualifying CLTV | 70 | 75.00 |
| 854737 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 854737 | xxxxxx |  | Qualifying LTV | 70 | 75.00 |
| 854800 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854800 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 854801 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854881 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 854902 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 854902 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854902 | xxxxxx |  | Qualifying CLTV | 67.84 | 70.00 |
| 854902 | xxxxxx |  | Qualifying LTV | 67.84 | 70.00 |
| 855018 | xxxxxx |  | Qualifying FICO | 764 | 740 |
| 855030 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855030 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855030 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855122 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855162 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 855172 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855182 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855182 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 855231 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855231 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855233 | xxxxxx |  | Qualifying FICO | 796 | 749 |
| 855239 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855299 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 855303 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855303 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 855476 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 855482 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 855610 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 855640 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 855643 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855643 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 855643 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 855775 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855775 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 855777 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 855777 | xxxxxx |  | Qualifying CLTV | 63.24 | 53.59 |
| 855777 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 855777 | xxxxxx |  | Qualifying LTV | 63.24 | 53.59 |
| 856144 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.59 | 43.26 |
| 856157 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856159 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856159 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856338 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 4 | 1 |
| 856341 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856390 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 856415 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856509 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 856515 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856521 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856521 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 856529 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856559 | xxxxxx |  | Margin | 6.5 | 2 |
| 856559 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 856571 | xxxxxx |  | Qualifying FICO | 794 | 755 |
| 856572 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856604 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856604 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856604 | xxxxxx |  | Qualifying CLTV | 58.14 | 54.76 |
| 856604 | xxxxxx |  | Qualifying LTV | 58.14 | 54.76 |
| 856625 | xxxxxx |  | Interest Rate | 6.25 | 6.6250 |
| 856625 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856625 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 856637 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856637 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 856714 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856729 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856729 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856824 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856827 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856827 | xxxxxx |  | Qualifying CLTV | 70 | 67.74 |
| 856827 | xxxxxx |  | Qualifying LTV | 70 | 67.74 |
| 856830 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856888 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 856888 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 856898 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856922 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 856948 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856953 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 856959 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856968 | xxxxxx |  | Number of Units | 6 | 5 |
| 856968 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856968 | xxxxxx |  | Qualifying FICO | 775 | 776 |
| 856979 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 856994 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 857177 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857181 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857185 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857186 | xxxxxx |  | Calculated DSCR | 0.994 | 1 |
| 857186 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857220 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 857220 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857220 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857220 | xxxxxx |  | Qualifying CLTV | 62.9 | 65 |
| 857220 | xxxxxx |  | Qualifying LTV | 62.9 | 65 |
| 857220 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.72 | 34.98 |
| 857328 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857328 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857328 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857339 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857342 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 857376 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 857391 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857391 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 857391 | xxxxxx |  | Qualifying CLTV | 57.4 | 65 |
| 857391 | xxxxxx |  | Qualifying LTV | 57.4 | 65 |
| 857393 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857396 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857397 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857437 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857437 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857441 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857480 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857482 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857483 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857484 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857485 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857711 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857720 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857729 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 857729 | xxxxxx |  | Number of Units | 1 | 5 |
| 857754 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 857772 | xxxxxx |  | Qualifying FICO | 764 | 759 |
| 857814 | xxxxxx |  | Margin | 6.5 | 2.000 |
| 857895 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857911 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857972 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857972 | xxxxxx |  | Qualifying CLTV | 77.81 | 74.51 |
| 857972 | xxxxxx |  | Qualifying LTV | 28.97 | 33.32 |
| 857978 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858001 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 858063 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858068 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 858090 | xxxxxx |  | Qualifying Total Debt Income Ratio | 27 | 37.80 |
| 858093 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858095 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858108 | xxxxxx |  | Qualifying Total Debt Income Ratio | 32.67 | 40.41 |
| 858216 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.56 | 33.18 |
| 858229 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858229 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 858231 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858234 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 858235 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858244 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858250 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 858250 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858250 | xxxxxx |  | Number of Units | 7 | 5 |
| 858250 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858250 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858250 | xxxxxx |  | Qualifying CLTV | 65 | 62.05 |
| 858250 | xxxxxx |  | Qualifying LTV | 65 | 62.05 |
| 858270 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858291 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 858292 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858297 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858308 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858308 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858309 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858309 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858335 | xxxxxx |  | Qualifying CLTV | 70 | 67.09677 |
| 858335 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 858335 | xxxxxx |  | Qualifying LTV | 70 | 67.09677 |
| 858335 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.33 | 38.249 |
| 858336 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858336 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858348 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49 | 44.3 |
| 858565 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858565 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858646 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858646 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 858656 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858656 | xxxxxx |  | Qualifying CLTV | 71.72 | 74.98 |
| 858721 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 858721 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858746 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858746 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 858746 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858778 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 858778 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858778 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858778 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.78 | 18.05 |
| 858788 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 858788 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858788 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.75 | 19.40 |
| 858912 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859041 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859061 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.62 | 40.41 |
| 859062 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859063 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.23 | 43.41 |
| 859066 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859066 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859075 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.14 | 24.79 |
| 859095 | xxxxxx |  | Qualifying FICO | 761 | 764 |
| 859130 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 859142 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.2 | 49.99 |
| 859158 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859158 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859161 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859459 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859615 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859615 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859615 | xxxxxx |  | Qualifying FICO | 713 | 733 |
| 859644 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859650 | xxxxxx |  | Qualifying Total Debt Income Ratio | 20.55 | 42.48 |
| 859711 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859715 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859715 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859736 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859736 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859759 | xxxxxx |  | Calculated DSCR | 1.008 | 1 |
| 859759 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 859760 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 859760 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859830 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 859862 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859862 | xxxxxx |  | Qualifying FICO | 793 | 796 |
| 859950 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 859950 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 859980 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859980 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.4 | 30.28 |
| 860034 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860034 | xxxxxx |  | Qualifying CLTV | 61.07 | 49.58145 |
| 860034 | xxxxxx |  | Qualifying LTV | 13.19 | 10.68966 |
| 860071 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 860071 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.6 | 42.554 |
| 860073 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860094 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860234 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860242 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860255 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860266 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.77 | 27.19 |
| 860267 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860267 | xxxxxx |  | Qualifying FICO | 816 | 817 |
| 860281 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860317 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860317 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 860317 | xxxxxx |  | Qualifying Total Debt Income Ratio | 8.65 | 42.13 |
| 860317 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 860342 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860342 | xxxxxx |  | Qualifying Total Debt Income Ratio | 2.39 | 5 |
| 860342 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 860345 | xxxxxx |  | Loan Amount | xxxxxx | xxxxxx |
| 860345 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.36 | 37.89 |
| 860355 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860355 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860380 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860380 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 860398 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 860415 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 860436 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.15 | 37.964 |
| 860450 | xxxxxx |  | Qualifying FICO | 647 | 645 |
| 860468 | xxxxxx |  | Qualifying Total Debt Income Ratio | 32.52 | 30.78 |
| 860469 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 860472 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860537 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 0 | 1 |
| 860559 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860572 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.19 | 41.17 |
| 860606 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860617 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860617 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860619 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860623 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860623 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860623 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860623 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.03 | 38.35 |
| 860633 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860633 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860633 | xxxxxx |  | Qualifying LTV | 59.74 | 57.46835 |
| 860633 | xxxxxx |  | Qualifying Total Debt Income Ratio | 14.71 | 7 |
| 860651 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 860651 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860729 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 860729 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 860729 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.04 | 25.231 |
| 860743 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860743 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860744 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 860747 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860760 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 860780 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 860780 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.27 | 40.44 |
| 860836 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 860853 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 860935 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861001 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861003 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.57 | 38.70 |
| 861006 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861010 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861010 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.19 | 40.72 |
| 861076 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861084 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861084 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 861084 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.56 | 30.47 |
| 861110 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 861151 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 861151 | xxxxxx |  | Qualifying CLTV | 49.14 | 55.129 |
| 861151 | xxxxxx |  | Qualifying LTV | 49.14 | 55.129 |
| 861157 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 861170 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861170 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 861177 | xxxxxx |  | Borrower 2 First Name | xxxxxx | xxxxxx |
| 861177 | xxxxxx |  | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 861177 | xxxxxx |  | Escrow Flag | No | Yes |
| 861177 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 861177 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 861197 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861197 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.59 | 17.40 |
| 861200 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.27 | 44.76 |
| 861203 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861203 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.83 | 37.00 |
| 861204 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861204 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.25 | 39.902 |
| 861243 | xxxxxx |  | Primary Mortgage or Rent Times 30day 24Months | 0 | 1 |
| 861243 | xxxxxx |  | Primary Mortgage or Rent Times 60day 24Months | 0 | 1 |
| 861268 | xxxxxx |  | Qualifying FICO | 797 | 794 |
| 861268 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.88 | 48.56 |
| 861282 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861306 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 861306 | xxxxxx |  | Qualifying Total Debt Income Ratio | 43.1 | 41.64 |
| 861306 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 861312 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861312 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861312 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.06 | 28.21 |
| 861335 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861344 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861407 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 861427 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 861427 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861427 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861468 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861468 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861468 | xxxxxx |  | Qualifying CLTV | 59.64 | 66.31 |
| 861468 | xxxxxx |  | Qualifying LTV | 59.64 | 66.31 |
| 861476 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 861480 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861501 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861549 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 861551 | xxxxxx |  | Number of Units | 1 | 2 |
| 861551 | xxxxxx |  | Property Type | Single Family Attached | Two to Four Unit |
| 861551 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861551 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 861572 | xxxxxx |  | Property Type | PUD | Detached |
| 861584 | xxxxxx |  | Qualifying Total Debt Income Ratio | 3.07 | 10 |
| 861587 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861588 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 861588 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861605 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861605 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.72 | 22.58 |
| 861606 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 861606 | xxxxxx |  | Interest Rate | 6.75 | 0.0688 |
| 861606 | xxxxxx |  | Qualifying Interest Rate | 6.75 | 0.069 |
| 861646 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861650 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861650 | xxxxxx |  | Qualifying CLTV | 53.05 | 50.59 |
| 861650 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 861650 | xxxxxx |  | Qualifying LTV | 53.05 | 50.59 |
| 861650 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.33 | 14.53 |
| 861725 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 861729 | xxxxxx |  | Qualifying FICO | 785 | 778 |
| 861755 | xxxxxx |  | Borrower 2 First Name | xxxxxx | xxxxxx |
| 861755 | xxxxxx |  | Interest Rate | 8.375 | 0.0838 |
| 861755 | xxxxxx |  | Property Type | Condominium | Attached |
| 861755 | xxxxxx |  | Qualifying Interest Rate | 8.375 | 0.084 |
| 861773 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861994 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862010 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 862010 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862010 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 862010 | xxxxxx |  | Qualifying CLTV | 43.14 | 39.74459 |
| 862021 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862035 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862052 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 862052 | xxxxxx |  | Qualifying CLTV | 55.6 | 60.18 |
| 862052 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.61 | 27.81 |
| 862064 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862064 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862064 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.77 | 46.38 |
| 862117 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 862117 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 862127 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862127 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.23 | 17.1 |
| 862147 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 862147 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 862147 | xxxxxx |  | Qualifying FICO | 793 | 783 |
| 862147 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 862148 | xxxxxx |  | Number of Units | 2 | 1 |
| 862148 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 862148 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.95 | 39.72 |
| 862153 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 862153 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 862164 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862164 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 862235 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.29 | 41.14 |
| 862249 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862249 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862249 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.78 | 49.86 |
| 862291 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862346 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 862346 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862478 | xxxxxx |  | Property Type | Condominium | Condotel |
| 862478 | xxxxxx |  | Qualifying Total Debt Income Ratio | 27.13 | 47.00 |
| 862493 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862497 | xxxxxx |  | Qualifying Total Debt Income Ratio | 28.45 | 23.00 |
| 862511 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 862511 | xxxxxx |  | Property Type | PUD | Detached |
| 862540 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862544 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 862544 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862548 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 862625 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 862653 | xxxxxx |  | Borrower 1 Self-Employment Flag | No | Yes |
| 862653 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 862653 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 862653 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 862660 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862941 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 862941 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.43 | 48.73 |
| 862945 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 862945 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.53 | 32.22 |
| 862951 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 862951 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 862951 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862951 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 862951 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862970 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 863043 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 863043 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863043 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 863169 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 863169 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.26 | 17.77 |
| 863170 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 863170 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.28 | 17.78 |
| 863199 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 863199 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 863199 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 863221 | xxxxxx |  | Interest Rate | 7.875 | 0.0788 |
| 863221 | xxxxxx |  | Property Type | Condominium | Condo |
| 863221 | xxxxxx |  | Qualifying Interest Rate | 7.875 | 0.079 |
| 863255 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 863312 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863315 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 863315 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 863319 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 0 | 1 |
| 863319 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 863360 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 863374 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863442 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 863443 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 863464 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.65 | 49.837 |
| 863543 | xxxxxx |  | Qualifying Total Debt Income Ratio | 50 | 33.00 |
| 863543 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 863556 | xxxxxx |  | Borrower 1 Self-Employment Flag | No | Y |
| 863641 | xxxxxx |  | Qualifying FICO | 689 | 686 |
| 863641 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.19 | 49.304 |
| 863643 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.35 | 34.31 |
| 863779 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 863801 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 863897 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 863897 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.41 | 30.85 |
| 864066 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 864598 | xxxxxx |  | Interest Rate | 7.375 | 7.5000 |
| 864598 | xxxxxx |  | Property Type | PUD | Single Family Detached |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**CANOPY ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 840909 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844088 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1690 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 52729.89 | N/A | Employed |  | No |  | No |  |
| 846780 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847418 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847539 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848794 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12559.54 | Yes | Employed |  | No |  | Yes | Present |
| 849001 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 17170 | 7.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 10651.3 | N/A | Employed | Employed | No | No | No |  |
| 849500 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849631 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850997 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1750 |  |  |  | No |  | Yes | Present |
| 851488 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851550 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851828 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7942.7 | 7.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 4330.54 | Yes | Employed |  | No |  | No |  |
| 851918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 851978 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -80.45 |  |  |  | No |  | Yes | Present |
| 852098 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852205 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852361 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852369 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852371 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852372 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2229 |  |  |  | No |  | Yes | Present |
| 852392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852438 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852506 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852507 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852516 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852541 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852588 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852603 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852673 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852784 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852885 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18503.42 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30162.06 | Yes | Employed |  | No |  | No |  |
| 852901 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852907 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852910 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852915 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852925 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852930 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852979 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853101 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853109 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853142 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853304 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853312 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853398 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853401 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853412 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853418 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853419 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853527 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853543 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853571 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853588 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853648 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5748 | 7.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8192.28 | Yes | Employed |  | No |  | No |  |
| 853651 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853696 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853764 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853829 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853867 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853905 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853935 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 853947 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853948 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853968 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854013 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854095 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854103 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854109 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854136 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854215 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854225 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854239 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854296 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854333 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6745 | 8.359 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6920.73 | Yes | Employed |  | No |  | No |  |
| 854337 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 854339 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854346 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854353 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854489 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854521 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854539 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854557 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854572 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854577 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 854622 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854623 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854629 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854674 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854729 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854731 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854732 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854737 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 854793 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 854794 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 854800 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854801 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 854877 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854881 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854902 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 855018 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855030 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855069 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855088 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 855092 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855106 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855122 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855154 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9827.56 | 7.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51396.98 | Yes | Employed |  | No |  | No |  |
| 855162 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855163 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855172 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855182 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855222 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855228 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 855231 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855233 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855239 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855245 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 855253 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1229 |  |  |  | No |  | Yes | Present |
| 855271 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855284 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855285 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855299 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855303 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855309 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 855314 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855325 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855339 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855466 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855476 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855482 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855595 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855610 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855640 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855643 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2452 |  |  |  | No |  | Yes | Present |
| 855775 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855777 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856102 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2076.04 |  |  |  | No |  | Yes | Present |
| 856130 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856144 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14178.3 | 7.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9886.07 | Yes | Employed |  | No |  | No |  |
| 856157 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856159 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -3067 |  |  |  | No |  | Yes | Present |
| 856309 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 695 | 8.919 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14531.13 | Yes | Employed | Not Employed | No | No | No |  |
| 856315 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856338 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856341 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856367 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856372 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856390 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856402 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856410 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856415 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856508 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856509 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856515 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856521 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856529 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856559 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856566 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856570 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856571 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856572 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856576 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856578 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856579 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856595 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6400 | 9.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2774.44 | Yes | Employed | Employed | No | No | No |  |
| 856604 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856625 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856637 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856641 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 856705 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856714 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856729 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856743 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856786 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856787 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856824 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856827 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856830 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856867 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856888 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856890 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856891 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856898 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856920 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856922 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856936 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856938 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856948 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856953 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 4461.18 | 9.14 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10604.24 | N/A | Employed |  | No |  | No |  |
| 856959 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856968 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856979 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856986 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856994 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857177 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857181 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857185 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857186 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857220 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6009 | 7.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2860.02 | Yes | Employed | Not Employed | No | No | No |  |
| 857312 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 857328 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857339 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857342 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857375 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857376 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857391 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857393 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857396 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857397 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857420 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857426 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 857437 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 54075.28 | N/A | Employed | Employed | No | No | Yes | Present |
| 857441 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857479 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857480 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857482 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857483 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857484 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857485 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857553 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857556 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857579 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857593 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 7190.2 | 7.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4244.98 | N/A | Employed |  | No |  | No |  |
| 857651 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 23261.5 | 7.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 43019.83 | N/A | Employed |  | No |  | No |  |
| 857704 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857711 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857720 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33036.77 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 857722 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857729 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857731 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857735 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857754 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 857772 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857814 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 857891 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857895 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857911 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857936 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 857972 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4543.9 | 8.883 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 3360.43 | N/A | Employed | Not Employed | No | No | No |  |
| 857978 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857985 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858001 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858022 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858028 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858030 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858035 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858063 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858068 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858090 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9557.81 | N/A | Employed |  | No |  | Yes | Present |
| 858093 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858095 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858108 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 84013.18 | Yes | Employed |  | No |  | Yes | Present |
| 858154 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858158 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858216 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18518.05 | Yes | Employed | Employed | No | No | Yes | Present |
| 858229 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858231 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858234 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858235 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858240 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858244 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858250 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858259 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858267 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858270 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858271 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 858273 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858276 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858277 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858285 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858287 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858288 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858289 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858290 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858291 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858292 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858297 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858298 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858299 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858300 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858306 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858308 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858309 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858311 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858324 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858330 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858335 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 15337.13 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9400.08 | Yes | Employed |  | No |  | No |  |
| 858336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858348 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 10560 | 7.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10436.01 | Yes | Employed |  | No |  | No |  |
| 858387 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858533 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858535 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858542 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858565 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858586 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858587 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858646 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 858656 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2161.25 | 8.717 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 34606.49 | Yes | Employed |  | No |  | No |  |
| 858721 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 24543.35 | 6.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15756.29 | Yes | Employed | Employed | No | No | No |  |
| 858746 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858778 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 13500 | 7.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31871.88 | N/A | Employed | Not Employed | No | No | No |  |
| 858788 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1990 | 6.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11917 | Yes | Employed |  | No |  | No |  |
| 858826 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | 11125 | 7.03 | N/A | Yes | N/A | Yes | Yes | N/A | N/A | N/A | N/A | Yes | 12647.15 | Yes | Employed |  | No |  | No |  |
| 858888 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858912 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859041 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 859061 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 71602.03 | N/A | Employed |  | No |  | Yes | Present |
| 859062 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1340 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13748.07 | N/A | Employed |  | No |  | No |  |
| 859063 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 78323.36 | N/A | Employed |  | No |  | Yes | Present |
| 859066 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 859075 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5871.6 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 64512.89 | Yes | Employed |  | No |  | No |  |
| 859095 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 22145 | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 97720.38 | N/A | Employed |  | No |  | No |  |
| 859130 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859142 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 28630 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10860.91 | Yes | Employed | Employed | No | No | No |  |
| 859158 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1877.25 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7806.47 | Yes | Employed |  | No |  | No |  |
| 859161 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859277 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7053.36 | N/A | Employed |  | No |  | Yes | Present |
| 859292 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859459 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 221750.77 | Yes | Employed |  | No |  | Yes | Present |
| 859469 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2580 | 7.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6095.48 | N/A | Employed |  | No |  | No |  |
| 859477 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1690 | 7.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15604.87 | N/A | Employed |  | No |  | No |  |
| 859615 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859644 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 859650 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 181620.17 | N/A | Employed |  | No |  | Yes | Present |
| 859711 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859715 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859736 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859759 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859760 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859777 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -3 |  |  |  | Yes | Yes | Yes | Present |
| 859790 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 859798 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 21450 | 7.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10689.39 | N/A | Employed |  | No |  | No |  |
| 859830 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859862 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859896 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1620 | 7.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7921.84 | Yes | Employed |  | No |  | No |  |
| 859908 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 5001.92 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63751.31 | Yes | Employed |  | No |  | No |  |
| 859950 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7135 | 8.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5747.46 | Yes | Employed | Employed | No | No | No |  |
| 859980 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2953.67 | 8.05 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7490.59 | N/A | Retired |  | No |  | No |  |
| 860034 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 3100 | 8.156 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | Yes | N/A | 7119.69 | N/A | Employed |  | No |  | No |  |
| 860071 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 7.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10200.32 | N/A | Employed |  | No |  | No |  |
| 860073 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 1990 | 8.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 74591 | N/A | Employed |  | No |  | No |  |
| 860094 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860138 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860160 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 74326.13 | N/A | Employed |  | No |  | Yes | Present |
| 860234 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20579.7 | N/A | Employed |  | No |  | Yes | Present |
| 860242 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 6.549 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6542.49 | Yes | Employed |  | No |  | No |  |
| 860245 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 44808.73 | N/A | Employed |  | No |  | Yes | Present |
| 860255 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860262 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 12093.32 | 7.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 90093.9 | N/A | Employed |  | No |  | No |  |
| 860266 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 35335.87 | Yes | Employed | Employed | No | No | Yes | Present |
| 860267 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860281 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1395 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1390604.47 | Yes | Employed | Employed | No | No | No |  |
| 860297 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2570 | 6.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19311.16 | N/A | Employed |  | No |  | No |  |
| 860307 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 24145 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33674.75 | Yes | Employed | Employed | No | No | No |  |
| 860317 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 205714.82 | N/A | Employed |  | No |  | Yes | Present |
| 860337 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 8.492 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7731.77 | N/A | Employed |  | No |  | No |  |
| 860342 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1945 | 7.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 280508.87 | N/A | Employed | Not Employed | No | No | No |  |
| 860345 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29401.55 | N/A | Employed | Employed | No | No | Yes | Present |
| 860355 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 15364 | 7.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9702.09 | N/A | Employed |  | No |  | No |  |
| 860366 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5389 | 9.212 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5168.26 | N/A | Employed |  | No |  | No |  |
| 860380 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 10178.01 | 8.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7196.62 | Yes | Employed |  | No |  | No |  |
| 860398 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 20402 | 8.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16322.93 | N/A | Employed |  | No |  | No |  |
| 860407 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 15482.18 | 8.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14789.94 | N/A | Employed |  | No |  | No |  |
| 860415 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860436 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 4421.8 | 7.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6554.55 | Yes | Employed |  | No |  | No |  |
| 860450 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11875 | 7.92 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 9807.83 | N/A | Not Employed | Employed | No | No | No |  |
| 860456 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 12945 | 7.005 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16558.92 | N/A | Employed |  | No |  | No |  |
| 860468 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15804.93 | N/A | Employed | Employed | No | No | Yes | Present |
| 860469 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860472 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860537 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5280.31 | 8.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4195.63 | Yes | Employed |  | No |  | No |  |
| 860546 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9820.4 | 7.924 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 7848.09 | N/A | Employed | Employed | No | No | No |  |
| 860559 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8000 | 6.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6664.86 | N/A | Not Employed |  | No |  | No |  |
| 860572 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 20103 | 8.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19149.82 | Yes | Employed |  | No |  | No |  |
| 860600 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5927.5 | 9.268 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 10623.81 | N/A | Employed |  | No |  | No |  |
| 860606 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8845 | 8.024 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 25623.34 | N/A | Employed |  | No |  | No |  |
| 860617 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Not Tested | No | Yes | No | No | No | No | No | No | No | No | 2259.83 | 7.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8342.27 | N/A | Employed |  | No |  | No |  |
| 860619 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9630 | 6.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10561.86 | Yes | Employed |  | No |  | No |  |
| 860623 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7988.75 | 6.63 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19203.56 | N/A | Employed |  | No |  | No |  |
| 860633 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 219273.36 | N/A | Employed |  | No |  | Yes | Present |
| 860651 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9427.5 | 7.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 53240.68 | N/A | Employed | Unknown | No | No | No |  |
| 860729 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 54658.82 | N/A | Employed |  | No |  | Yes | Present |
| 860739 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3245.76 | 9.03 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 2936.97 | N/A | Employed |  | No |  | No |  |
| 860743 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 26030 | 7.067 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 12500.46 | Yes | Employed |  | No |  | No |  |
| 860744 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18235 | 7.526 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 16563.08 | N/A | Employed |  | No |  | No |  |
| 860747 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18730 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11240.58 | Yes | Employed |  | No |  | No |  |
| 860760 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860780 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1595 | 7.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23653.14 | N/A | Employed | Not Employed | No | No | No |  |
| 860814 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1685 | 6.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11924.08 | N/A | Not Employed |  | No |  | No |  |
| 860830 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1905 | 7.932 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 246947.12 | N/A | Employed | Employed | No | No | No |  |
| 860831 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6231.21 | N/A | Employed | Employed | No | No | Yes | Present |
| 860836 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 154204.94 | N/A | Employed |  | No |  | Yes | Present |
| 860853 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4262.15 | 6.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5963.64 | Yes | Employed | Employed | No | No | No |  |
| 860879 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1880 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8314.54 | N/A | Employed | Employed | No | No | No |  |
| 860880 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2225 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19286.8 | N/A | Employed | Employed | No | No | No |  |
| 860882 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34174.11 | N/A | Not Employed |  | No |  | Yes | Present |
| 860935 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 12843.13 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33842.49 | Yes | Employed |  | No |  | No |  |
| 860936 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6237.5 | 6.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16433.16 | N/A | Employed | Employed | No | No | No |  |
| 860941 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2425 | 6.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34447.04 | N/A | Employed |  | No |  | No |  |
| 860945 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 7.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17880.26 | N/A | Employed |  | No |  | No |  |
| 860948 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 20000 | 7.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28903.28 | N/A | Employed |  | No |  | No |  |
| 860956 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11455.94 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5048.22 | N/A | Employed |  | No |  | No |  |
| 860969 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7900 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2894.22 | Yes | Employed |  | No |  | No |  |
| 860990 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860995 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8608.92 | 6.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A | 9153.31 | N/A | Employed |  | No |  | No |  |
| 861001 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 33495 | 8.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24363.78 | N/A | Employed |  | No |  | No |  |
| 861003 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5036.05 | 7.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4500.05 | Yes | Employed |  | No |  | No |  |
| 861006 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2145 | 7.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7085.98 | N/A | Employed |  | No |  | No |  |
| 861010 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24439.05 | N/A | Employed | Not Employed | No | No | No |  |
| 861076 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861084 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1595 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28112.75 | N/A | Employed | Employed | No | No | No |  |
| 861110 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 5852 | 7.528 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8215.07 | N/A | Employed |  | No |  | No |  |
| 861121 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | N/A | 1865604 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 861127 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 17992.98 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10469.79 | N/A | Employed | Employed | No | No | No |  |
| 861128 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1880 | 6.912 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10318.19 | N/A | Employed |  | No |  | No |  |
| 861138 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | Yes | No | No | No | Yes | 34570 | 6.807 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10237.05 | N/A | Employed |  | No |  | Yes | Present |
| 861146 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9680 | 7.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3405.66 | Yes | Employed | Employed | No | No | No |  |
| 861151 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9235 | 7.761 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13492.37 | N/A | Employed |  | No |  | No |  |
| 861152 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10990 | 7.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40627.01 | N/A | Employed |  | No |  | No |  |
| 861157 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 73139.84 | N/A | Employed |  | No |  | Yes | Present |
| 861170 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 7280 | 7.537 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4129.44 | N/A | Employed |  | No |  | No |  |
| 861177 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20253.61 | N/A | Employed | Employed | No | No | No |  |
| 861197 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 2858.3 | 11.21 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14708.26 | N/A | Employed | Employed | No | No | No |  |
| 861200 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 2139.96 | 7.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3478.05 | N/A | Employed |  | No |  | No |  |
| 861203 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7310 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17030.77 | Yes | Employed | Employed | No | No | No |  |
| 861204 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 3407.6 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11925.19 | Yes | Employed |  | No |  | No |  |
| 861222 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1795 | 6.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41204.88 | N/A | Employed | Employed | No | No | No |  |
| 861234 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2425 | 6.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4897.79 | N/A | Employed |  | No |  | No |  |
| 861237 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 6.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5902.82 | N/A | Employed |  | No |  | No |  |
| 861243 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 11920 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18779.99 | N/A | Employed |  | No |  | No |  |
| 861247 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1745 | 7.779 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10922.42 | Yes | Employed |  | No |  | No |  |
| 861268 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6189.56 | N/A | Employed |  | No |  | Yes | Present |
| 861276 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861282 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861306 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4530 | 6.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5491.16 | N/A | Employed |  | No |  | No |  |
| 861312 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 56169.46 | N/A | Employed |  | No |  | Yes | Present |
| 861335 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1975 | 7.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25476.7 | N/A | Employed | Not Employed | No | No | No |  |
| 861344 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 11961.88 | 6.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 81812.05 | N/A | Employed |  | No |  | No |  |
| 861377 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 944.95 | 7.916 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7692.83 | Yes | Employed |  | No |  | No |  |
| 861407 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 8294.38 | 8.591 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 183358.29 | N/A | Employed |  | No |  | No |  |
| 861416 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20983.58 | Yes | Retired | Not Employed | No | No | No |  |
| 861423 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17120 | 7.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12292.23 | Yes | Employed |  | No |  | No |  |
| 861427 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1250 | 6.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 146126.3 | Yes | Employed |  | No |  | No |  |
| 861468 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 6.641 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 302468.07 | Yes | Employed |  | No |  | No |  |
| 861476 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2213 | 8.1 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7677.23 | N/A | Employed |  | No |  | No |  |
| 861477 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4720 | 7.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11114.93 | N/A | Employed |  | No |  | No |  |
| 861480 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3630 | 6.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11640.82 | Yes | Unknown |  | No |  | No |  |
| 861485 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 6945 | 6.671 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13306.6 | N/A | Not Employed | Not Employed | No | No | No |  |
| 861501 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 9902.6 | 8.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59357.41 | Yes | Employed |  | No |  | No |  |
| 861549 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 540859.7 | N/A | Employed |  | No |  | Yes | Present |
| 861551 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6743.75 | N/A | Employed |  | No |  | Yes | Present |
| 861572 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29775.44 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 861579 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3095 | 8.155 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6238.06 | N/A | Employed |  | No |  | No |  |
| 861584 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 19130 | 6.617 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 808637.01 | Yes | Employed |  | No |  | No |  |
| 861587 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 7980.57 | Yes | Employed |  | No |  | Yes | Present |
| 861588 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 19315 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45833.65 | N/A | Employed |  | No |  | No |  |
| 861591 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6828.49 | N/A | Employed |  | No |  | Yes | Present |
| 861601 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 20926 | 6.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60092.98 | Yes | Employed |  | No |  | No |  |
| 861605 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1905 | 7.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34016.83 | Yes | Unknown |  | No |  | No |  |
| 861606 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | 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 | N/A | 13659.13 | N/A | Employed |  | No |  | Yes | Present |
| 861609 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 27980.15 | 7.128 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25397.8 | Yes | Employed | Employed | No | No | No |  |
| 861618 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 10842.5 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3527.95 | N/A | Employed |  | No |  | No |  |
| 861646 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 800 | 7.69 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7573.92 | Yes | Employed | Not Employed | No | No | No |  |
| 861650 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 6.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20494.77 | N/A | Employed | Unknown | No | No | No |  |
| 861725 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1575 | 6.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29049.99 | N/A | Employed |  | No |  | No |  |
| 861729 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 15935 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17234.09 | N/A | Employed |  | No |  | No |  |
| 861731 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 5384 | 8.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4922.62 | N/A | Employed |  | No |  | No |  |
| 861740 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8201.08 | N/A | Employed |  | No |  | No |  |
| 861741 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 0 | 8.469 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22270.73 | N/A | Employed |  | No |  | No |  |
| 861755 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19215.3 | N/A | Employed | Employed | No | No | Yes | Present |
| 861773 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 14311.25 | 8.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15143.24 | N/A | Employed | Not Employed | No | No | No |  |
| 861798 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19444.53 | Yes | Employed |  | No |  | No |  |
| 861994 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 13860 | 6.868 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8525.13 | Yes | Employed | Employed | No | No | No |  |
| 862000 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 4375 | 7.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10052.12 | N/A | Employed |  | No |  | No |  |
| 862006 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1200 | 7.837 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6393.96 | N/A | Employed | Employed | No | No | No |  |
| 862010 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4120 | 7.983 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 107326.03 | N/A | Employed |  | No |  | No |  |
| 862021 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862035 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17556.07 | N/A | Employed |  | No |  | No |  |
| 862046 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 4111 | 7.567 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16461.78 | N/A | Employed | Not Employed | No | No | No |  |
| 862052 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2020 | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5369.67 | Yes | Employed |  | No |  | No |  |
| 862064 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 17610 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12069.73 | Yes | Employed | Not Employed | No | No | No |  |
| 862117 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3395.92 | 10.139 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 13178.48 | N/A | Employed |  | No |  | No |  |
| 862119 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 21571.21 | N/A | Employed | Employed | No | No | Yes | Present |
| 862127 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 48084.83 | N/A | Employed | Not Employed | No | No | No |  |
| 862147 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 16505.36 | N/A | Employed |  | No |  | Yes | Present |
| 862148 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14630 | 7.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26009.79 | Yes | Not Employed | Employed | No | No | No |  |
| 862153 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8979.59 | N/A | Retired | Retired | No | No | Yes | Present |
| 862164 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 7.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7871.57 | Yes | Employed |  | No |  | No |  |
| 862189 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7503.68 | 8.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5557.82 | N/A | Employed |  | No |  | No |  |
| 862203 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15330 | 7.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15574.27 | N/A | Employed |  | No |  | No |  |
| 862235 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 11185 | 7.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34432.12 | N/A | Employed | Employed | No | No | No |  |
| 862249 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | 14520.58 | N/A | Employed |  | No |  | Yes | Present |
| 862288 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9013.75 | 7.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4866.39 | N/A | Employed |  | No |  | No |  |
| 862289 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6715 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4682.18 | N/A | Retired |  | No |  | No |  |
| 862291 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1795 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24553.4 | Yes | Employed |  | No |  | No |  |
| 862346 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11790 | 7.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35051.31 | N/A | Employed |  | No |  | No |  |
| 862348 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2025.25 | 6.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44731.84 | N/A | Employed |  | No |  | No |  |
| 862468 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9720 | 7.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10415.94 | Yes | Employed | Employed | No | No | No |  |
| 862472 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2375 | 6.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7107.66 | N/A | Employed |  | No |  | No |  |
| 862474 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2375 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6218.19 | N/A | Employed |  | No |  | No |  |
| 862475 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9935.79 | N/A | Employed |  | No |  | No |  |
| 862478 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40229.82 | N/A | Employed | Employed | No | No | Yes | Present |
| 862493 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.786 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 50105.13 | N/A | Employed | Not Employed | No | No | No |  |
| 862497 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2770 | 7.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 52803.4 | N/A | Employed |  | No |  | No |  |
| 862503 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 8790 | 7.538 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 21909.56 | N/A | Employed |  | No |  | No |  |
| 862511 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11349.72 | N/A | Employed |  | No |  | Yes | Present |
| 862540 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2618.8 | 6.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 110334.08 | Yes | Employed | Employed | No | No | No |  |
| 862544 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 453.1 | 8.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4240.77 | N/A | Employed | Not Employed | No | No | No |  |
| 862548 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1595 | 6.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11198.89 | N/A | Employed | Employed | No | No | No |  |
| 862570 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9511.25 | 8.828 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 61687.65 | N/A | Employed |  | No |  | No |  |
| 862572 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18118.63 | N/A | Employed |  | No |  | Yes | Present |
| 862593 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9105.17 | N/A | Employed |  | No |  | No |  |
| 862595 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 1575 | 8.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12034.94 | N/A | Employed |  | No |  | No |  |
| 862603 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10392.75 | 6.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8830.65 | N/A | Employed |  | No |  | No |  |
| 862616 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 7186 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30952.71 | Yes | Employed |  | No |  | No |  |
| 862622 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 17727.63 | 7.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22832.76 | Yes | Employed |  | No |  | No |  |
| 862625 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2165 | 7.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11432.66 | N/A | Employed |  | No |  | No |  |
| 862631 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 8845 | 8.783 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 636789.1 | N/A | Employed |  | No |  | No |  |
| 862653 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | 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 | 28892.9 | N/A | Employed |  | No |  | Yes | Present |
| 862660 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1419 | 6.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 316048.73 | Yes | Employed |  | No |  | No |  |
| 862705 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4215 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9507.78 | N/A | Employed | Retired | No | No | No |  |
| 862941 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 27747.81 | 8.285 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9169.6 | Yes | Employed |  | No |  | No |  |
| 862945 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 8150 | 7.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7253.74 | N/A | Employed |  | No |  | No |  |
| 862951 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7840 | 7.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12772.85 | Yes | Not Employed | Employed | No | No | No |  |
| 862970 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 814 | 7.703 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7631.13 | N/A | Employed |  | No |  | No |  |
| 863011 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4804.52 | N/A | Retired |  | No |  | Yes | Present |
| 863037 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 5533.88 | N/A | Employed |  | No |  | Yes | Present |
| 863043 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Alternative ATR Documentation |  | 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 | 243033.41 | Yes | Employed |  | No |  | Yes | Present |
| 863169 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 89527.93 | N/A | Employed |  | No |  | Yes | Present |
| 863170 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 89508.78 | N/A | Employed |  | No |  | Yes | Present |
| 863172 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 23597.61 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11583.28 | N/A | Employed |  | No |  | No |  |
| 863199 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9583.1 | N/A | Employed |  | No |  | Yes | Present |
| 863203 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7031.57 | 8.598 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14567 | N/A | Employed | Employed | No | No | No |  |
| 863221 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 6091.21 | N/A | Employed | Employed | No | No | Yes | Present |
| 863246 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6711.33 | N/A | Employed |  | No |  | Yes | Present |
| 863255 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 5467.71 | 7.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2974.42 | Yes | Employed |  | No |  | No |  |
| 863312 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9160 | 6.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4965.47 | Yes | Employed | Employed | No | No | No |  |
| 863315 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 7884.88 | 7.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6759.29 | Yes | Employed | Employed | No | No | No |  |
| 863317 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9326 | 6.756 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11301.95 | N/A | Employed |  | No |  | No |  |
| 863319 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36623.78 | N/A | Employed |  | No |  | Yes | Present |
| 863360 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5026.5 | 7.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3427.42 | N/A | Employed |  | No |  | No |  |
| 863374 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7439.24 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2732.67 | N/A | Employed |  | No |  | No |  |
| 863419 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1795 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27753.16 | Yes | Employed |  | No |  | No |  |
| 863436 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12603.39 | N/A | Employed |  | No |  | Yes | Present |
| 863439 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 19760 | 9.783 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 98529.74 | Yes | Employed |  | No |  | No |  |
| 863440 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 3687.88 | 10.429 | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9702.71 | N/A | Employed |  | No |  | No |  |
| 863442 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17253.31 | N/A | Employed |  | No |  | Yes | Present |
| 863443 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 8284.95 | 8.937 | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 35127.29 | N/A | Employed |  | No |  | No |  |
| 863445 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10708.35 | 8.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5281.76 | N/A | Employed | Employed | No | No | No |  |
| 863449 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14450 | 8.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15896.09 | N/A | Employed |  | No |  | No |  |
| 863450 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11440 | 7.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14570.3 | N/A | Employed |  | No |  | No |  |
| 863456 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 442802.3 | N/A | Employed |  | No |  | Yes | Present |
| 863464 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 31590 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18531.92 | N/A | Employed | Unknown | No | No | No |  |
| 863543 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7269.91 | 6.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16143.97 | Yes | Employed | Employed | No | No | No |  |
| 863555 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 18385.98 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17885.84 | N/A | Employed | Not Employed | No | No | No |  |
| 863556 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3840 | 8.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5800.85 | N/A | Employed | Not Employed | No | No | No |  |
| 863641 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 7249.34 | 8.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4513.85 | N/A | Employed |  | No |  | No |  |
| 863643 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 11258.61 | N/A | Employed |  | No |  | Yes | Present |
| 863681 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13947.66 | N/A | Employed |  | No |  | No |  |
| 863779 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 33590 | 7.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 50251.09 | N/A | Employed | Employed | No | No | No |  |
| 863801 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 21535.4 | Yes | Employed |  | No |  | Yes | Present |
| 863816 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 14790 | 7.703 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9886.5 | Yes | Employed |  | No |  | No |  |
| 863820 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 19447.21 | 7.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10195.6 | N/A | Employed |  | No |  | No |  |
| 863858 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9314.32 | 8.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14722.9 | N/A | Employed |  | No |  | No |  |
| 863884 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 9041.4 | 7.538 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52255.07 | Yes | Employed |  | No |  | No |  |
| 863897 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 1630 | 6.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36572.01 | N/A | Not Employed | Not Employed | No | No | No |  |
| 863941 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2712.32 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 555988.38 | N/A | Employed | Employed | No | No | No |  |
| 864004 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 28787.5 | 7.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24957.6 | N/A | Employed | Employed | No | No | No |  |
| 864066 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 380927.66 | N/A | Employed |  | No |  | Yes | Present |
| 864071 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 4806 | 7.234 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31681.38 | N/A | Employed |  | No |  | No |  |
| 864076 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 6040 | 7.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20108.98 | N/A | Employed |  | No |  | No |  |
| 864270 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 15440 | 7.396 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 16895.04 | N/A | Employed |  | No |  | No |  |
| 864598 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2660 | 7.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 453371.61 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**CANOPY VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 840909 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.33 | 58.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-02-2026 |
| 844088 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 01-20-2026 |  |  |  |  |  |  |  |  |  |  | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-11-2026 |
| 846780 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.47 | 67.47 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-01-2025 |
| 847418 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 847539 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848794 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 849001 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-23-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.3 | 78.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849500 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849631 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.63 | 74.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-14-2025 |
| 850997 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-09-2025 |
| 851488 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 Eligible |  |  |
| 851550 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 851828 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.8 | 67.8 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-31-2025 Eligible |  |  |
| 851918 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.42 | 61.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-30-2025 |
| 851978 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852098 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.54 | 67.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 852205 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852361 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 852369 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 Eligible | 1 | 11-13-2025 |
| 852371 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 Eligible | 1 | 11-14-2025 |
| 852372 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.43 | 71.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 852392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0116 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0116 | 96.0 | 0.04 | xxxxxx | xxxxxx | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852438 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852506 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852507 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852516 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852541 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.36 | 67.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 852588 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.84 | 49.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852603 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.33 | 57.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-23-2025 |
| 852673 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.17 | 29.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-17-2025 |
| 852784 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852885 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.18 | 46.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 852901 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.12 | 58.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852907 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 852910 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852915 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 852925 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 852930 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-12-2025 |
| 852979 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853101 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-10-2025 |
| 853109 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.73 | 63.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 10-29-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853304 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-17-2025 Eligible | 1 | 11-17-2025 |
| 853312 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.3 | 64.3 | xxxxxx | xxxxxx | -.0696 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0696 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-21-2025 Eligible |  |  |
| 853398 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.54 | 45.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Unknown | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853401 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.5 | 49.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853412 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.87 | 59.87 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 Eligible | 1.2 | 12-09-2025 |
| 853418 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.1 | 64.1 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-09-2025 |
| 853419 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.78 | 57.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-05-2025 |
| 853527 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 853543 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.9 | 74.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853571 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0452 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0452 | 10-27-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0452 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853588 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 853648 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.43 | 53.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853651 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853696 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.98 | 38.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 853702 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853764 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853829 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-12-2025 |
| 853867 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-28-2025 Eligible | 1.1 | 11-28-2025 |
| 853905 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 Eligible | 1.5 | 11-13-2025 |
| 853935 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853947 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.85 | 53.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853948 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0135 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0135 | 10-21-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0135 | xxxxxx | 0.0 | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 853968 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.83 | 69.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854013 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854095 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.04 | 42.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-18-2025 |
| 854103 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0783 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0783 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-08-2025 Eligible |  |  |
| 854109 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 854136 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-13-2025 |
| 854215 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.57 | 53.57 | xxxxxx | xxxxxx | -.0658 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0658 | 95.0 | 0.05 | xxxxxx | xxxxxx | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854225 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854239 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Indeterminate | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854296 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854333 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.99 | 71.35 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854337 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 854339 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.76 | 67.76 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 854346 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 854353 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.41 | 39.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854489 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854521 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-02-2025 |
| 854539 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.42 | 34.42 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 Eligible | 1.4 | 12-18-2025 |
| 854557 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-06-2026 |
| 854572 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0.0 | .0000 | 12-02-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854577 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-20-2025 |
| 854622 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854623 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-05-2025 |
| 854629 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854674 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854729 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.71 | 56.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-18-2025 |
| 854731 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854732 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 854737 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-17-2025 |
| 854793 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.39 | 56.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 854794 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.17 | 38.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854800 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.82 | 45.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 854801 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.56 | 64.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 854877 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-20-2025 Eligible | 2.1 | 12-20-2025 |
| 854881 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2025 Eligible |  |  |
| 854902 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.84 | 67.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-10-2025 |
| 855018 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.62 | 64.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855030 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-26-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 Eligible | 1.6 | 12-15-2025 |
| 855069 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-29-2025 |
| 855088 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 855092 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.0 | 56.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-05-2025 |
| 855106 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.92 | 64.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855122 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.07 | 46.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855154 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.08 | 52.08 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-08-2025 |
| 855162 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.0 | 69.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 Eligible |  |  |
| 855163 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855172 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-03-2025 Eligible | 1 | 11-03-2025 |
| 855182 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.67 | 41.67 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 Eligible |  |  |
| 855222 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 Eligible |  |  |
| 855228 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855231 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-10-2025 Eligible | 1 | 12-10-2025 |
| 855233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 855239 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-20-2026 Eligible | 1 | 01-20-2026 |
| 855245 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-17-2025 |
| 855253 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0.0 | .0000 | 07-24-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855271 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.79 | 21.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-31-2025 |
| 855284 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855285 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 855299 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-16-2025 Eligible |  |  |
| 855303 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-08-2025 Eligible | 1 | 12-08-2025 |
| 855309 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.23 | 62.23 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-12-2025 Eligible |  |  |
| 855314 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855325 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-08-2025 Eligible | 1.3 | 12-08-2025 |
| 855339 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.59 | 44.59 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 Eligible |  |  |
| 855466 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.3 | 69.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855476 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.93 | 25.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 855482 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.27 | 37.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855595 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 855610 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.0 | 20.0 | xxxxxx | xxxxxx | -.0957 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0957 | xxxxxx | MODERATE RISK | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 855640 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 855643 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855775 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.01 | 47.01 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855777 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.24 | 63.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 856102 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 Eligible | 1.9 | 12-24-2025 |
| 856130 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856144 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.51 | 54.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 856157 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 Eligible | 1 | 12-11-2025 |
| 856159 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0148 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0148 | 97.0 | 0.03 | xxxxxx | xxxxxx | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 Eligible |  |  |
| 856309 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.52 | 69.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-19-2026 |
| 856315 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.73 | 36.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 Eligible |  |  |
| 856338 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.96 | 43.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856341 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 856367 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.38 | 50.38 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856372 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 Eligible | 1 | 12-10-2025 |
| 856390 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 856402 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2025 Eligible | 1 | 12-17-2025 |
| 856410 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.37 | 47.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856508 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856509 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.95 | 49.95 | xxxxxx | xxxxxx | -.0820 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0820 | 94.0 | 0.06 | xxxxxx | xxxxxx | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856515 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 856521 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.62 | 50.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2025 Eligible | 1 | 12-17-2025 |
| 856529 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856559 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 856566 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 Eligible |  |  |
| 856570 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.71 | 65.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 856571 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-24-2025 Eligible | 1 | 12-24-2025 |
| 856572 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 Eligible | 1 | 12-22-2025 |
| 856576 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856578 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 856579 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.78 | 50.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 856595 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-08-2026 |
| 856604 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.14 | 58.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 Eligible | 1.7 | 12-09-2025 |
| 856625 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.98 | 69.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856637 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.78 | 57.78 | xxxxxx | 0.0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | 96.0 | 0.04 | xxxxxx | xxxxxx | 12-03-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856641 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 856702 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856705 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.83 | 42.83 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-11-2025 |
| 856714 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-23-2026 |
| 856729 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-30-2025 Eligible | 1.6 | 11-30-2025 |
| 856743 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.69 | 69.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 Eligible | 1.7 | 12-30-2025 |
| 856786 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 856787 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.49 | 44.49 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-19-2025 |
| 856824 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856827 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 856830 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-16-2025 Eligible | 1 | 12-16-2025 |
| 856867 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856888 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856890 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-03-2026 |
| 856891 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.0 | 56.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856898 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.55 | 53.55 | xxxxxx | xxxxxx | .0024 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0024 | xxxxxx | Low Risk | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856920 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 Eligible | 1 | 02-04-2026 |
| 856922 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.94 | 65.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 856936 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.99 | 11.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 856938 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856948 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.6 | 56.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-12-2025 Eligible | 1.4 | 12-12-2025 |
| 856953 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 9.0 | 79.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 |
| 856959 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856968 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856979 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.87 | 67.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-02-2026 Eligible | 1.1 | 01-02-2026 |
| 856986 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0568 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0568 | xxxxxx | Moderate Risk | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856994 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.83 | 51.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857177 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0955 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0955 | xxxxxx | 0.0 | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-28-2025 |
| 857181 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 857185 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-25-2025 |
| 857186 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-25-2025 |
| 857220 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.9 | 62.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 01-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857312 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.0 | 59.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857328 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-20-2026 |
| 857339 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.06 | 74.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0125 | 11-13-2025 | Other |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0125 | 11-13-2025 |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 857342 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-06-2026 |
| 857375 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-08-2026 Eligible | 1 | 01-08-2026 |
| 857376 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 857391 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.1170 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1170 | xxxxxx | 0.0 | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857393 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 857396 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0949 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0949 | xxxxxx | Adequate | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857397 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 857420 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 01-07-2026 |
| 857426 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857437 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 857441 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 857479 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 71A |  |  |  | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857480 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-24-2025 |
| 857482 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.45 | 52.45 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-15-2025 |
| 857483 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0% | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-25-2025 |
| 857484 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.05 | 73.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | As-Is | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-06-2025 |
| 857485 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857553 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 Eligible | 1 | 12-24-2025 |
| 857556 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0490 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0490 | xxxxxx | Moderate Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857579 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.26 | 68.26 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-06-2026 Eligible | 1.2 | 01-06-2026 |
| 857593 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857651 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857704 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 01-06-2026 |
| 857711 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0931 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0931 | 92.0 | 0.08 | xxxxxx | xxxxxx | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857720 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0313 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0312 | xxxxxx | Moderate Risk | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 Eligible |  |  |
| 857722 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.26 | 62.26 | xxxxxx | xxxxxx | -.0252 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0252 | xxxxxx | Moderate Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857729 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 71A |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857731 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 857735 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 857754 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.67 | 53.67 | xxxxxx | xxxxxx | -.0033 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0033 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-19-2025 |
| 857772 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 857814 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-09-2026 |
| 857891 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857895 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.61 | 61.61 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-21-2026 Eligible |  |  |
| 857911 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-26-2026 |
| 857936 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 12-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857972 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.97 | 77.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1906 | 92.0 | 0.08 | xxxxxx | xxxxxx | 01-17-2026 | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857978 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.6 | 38.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-04-2026 |
| 857985 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.0 | 45.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-05-2026 |
| 858001 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858022 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-28-2025 |
| 858028 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858030 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-19-2026 |
| 858035 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-09-2026 |
| 858063 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.71 | 33.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-21-2025 |
| 858068 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.51 | 64.51 | xxxxxx | xxxxxx | .0016 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0016 | xxxxxx | Low Risk | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858090 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858093 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-24-2026 |
| 858095 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-24-2026 |
| 858108 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858154 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 |
| 858158 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.62 | 59.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858216 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858229 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.36 | 69.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-06-2026 |
| 858231 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.19 | 69.19 | xxxxxx | xxxxxx | -.0491 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0491 | xxxxxx | Adequate | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858234 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858235 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858240 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-19-2026 |
| 858244 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-17-2025 Eligible | 1 | 12-17-2025 |
| 858250 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0476 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0476 | xxxxxx | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858259 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-15-2025 |
| 858267 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.15 | 66.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858270 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858271 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | xxxxxx | .0196 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0196 | xxxxxx | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858273 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .5000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .5000 | xxxxxx | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858276 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0600 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0600 | 12-12-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-17-2025 |
| 858277 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.33 | 56.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 Eligible | 1 | 11-26-2025 |
| 858285 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.19 | 69.19 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-05-2025 |
| 858287 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | xxxxxx | -.0189 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0189 | xxxxxx | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-24-2025 Eligible |  |  |
| 858288 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0459 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0459 | xxxxxx | Moderate Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 858289 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 858290 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-24-2025 |
| 858291 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  | xxxxxx | xxxxxx | .0143 | xxxxxx | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858292 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858297 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858298 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-20-2025 |
| 858299 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 858300 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858306 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 858308 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858309 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.86 | 68.86 | xxxxxx | xxxxxx | -.0163 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0163 | xxxxxx | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858311 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.14 | 67.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 858324 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.57 | 65.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858330 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-31-2025 Eligible |  |  |
| 858335 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-19-2025 Eligible | 1 | 12-19-2025 |
| 858336 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858348 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.92 | 54.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858387 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 |
| 858533 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.0 | 25.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-21-2026 Eligible |  |  |
| 858535 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-19-2026 |
| 858542 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858565 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 858586 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 |
| 858587 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 Eligible | 1 | 01-26-2026 |
| 858646 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-30-2026 Eligible | 1 | 01-30-2026 |
| 858656 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.65 | 71.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858721 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.89 | 57.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-04-2026 Eligible | 2.2 | 02-04-2026 |
| 858746 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 858778 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.96 | 63.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 858788 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.51 | 54.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 858826 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.37 | 39.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858888 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.19 | 46.19 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858912 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859041 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 Eligible | 2.4 | 01-29-2026 |
| 859061 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 859062 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-03-2026 Eligible | 1 | 02-03-2026 |
| 859063 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-15-2026 |
| 859066 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 859075 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.84 | 79.84 | xxxxxx | xxxxxx | .0011 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0011 | 97.0 | 0.03 | xxxxxx | xxxxxx | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859095 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.06 | 47.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-23-2026 |
| 859130 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.74 | 22.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859142 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859158 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.3 | 25.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-09-2026 |
| 859161 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.6 | 52.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-27-2026 Eligible | 2.5 | 01-27-2026 |
| 859277 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859292 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 Eligible | 1 | 01-28-2026 |
| 859459 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 Eligible | 1 | 02-04-2026 |
| 859469 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 Eligible | 1.5 | 01-27-2026 |
| 859477 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.79 | 63.79 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-19-2026 |
| 859615 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859644 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859650 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 2/19/2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.24 | 45.78 | xxxxxx | xxxxxx | .0172 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0172 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859711 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-04-2026 Eligible | 1 | 02-04-2026 |
| 859715 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 Eligible | 1 | 01-09-2026 |
| 859736 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-04-2026 Eligible | 1.1 | 02-04-2026 |
| 859759 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-27-2026 Eligible | 1 | 01-27-2026 |
| 859760 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.89 | 67.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859777 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859790 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-05-2026 |
| 859798 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 859830 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 Eligible | 1 | 12-15-2025 |
| 859862 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859896 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 Eligible | 1 | 02-27-2026 |
| 859908 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 Eligible |  |  |
| 859950 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-20-2026 Eligible | 1 | 02-20-2026 |
| 859980 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.86 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 Eligible | 1.2 | 03-04-2026 |
| 860034 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.19 | 61.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 Eligible | 1 | 02-09-2026 |
| 860071 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.48 | 76.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 860094 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-09-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860138 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 Eligible | 1 | 02-09-2026 |
| 860160 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.1 | 64.1 | xxxxxx | xxxxxx | -.0972 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0972 | xxxxxx | Low Risk | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860234 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.91 | 62.91 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-24-2026 Eligible | 1.3 | 02-24-2026 |
| 860242 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.24 | 65.24 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-04-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 03-05-2026 Eligible |  |  |
| 860245 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-24-2025 |
| 860255 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 860262 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 860266 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 |
| 860267 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 Eligible | 1 | 01-12-2026 |
| 860281 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860297 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.26 | 79.26 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 860307 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-15-2026 |
| 860317 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-17-2026 |
| 860337 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.04 | 71.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-18-2026 Eligible | 2.2 | 03-18-2026 |
| 860342 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860345 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 Eligible | 1 | 01-14-2026 |
| 860366 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.94 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-27-2026 |
| 860380 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 Eligible | 1 | 02-19-2026 |
| 860398 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0253 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0253 | 95.0 | 0.05 | xxxxxx | xxxxxx | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860407 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-07-2026 |
| 860415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-08-2026 |
| 860436 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 Eligible |  |  |
| 860450 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.2 | 69.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-28-2026 Eligible | 1.4 | 02-28-2026 |
| 860456 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0494 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0494 | 90.0 | 0.1 | xxxxxx | xxxxxx | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860468 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-30-2026 Eligible | 1 | 01-30-2026 |
| 860469 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 860472 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-11-2026 |
| 860537 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 860546 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-24-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.0 | 68.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860559 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.54 | 61.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-26-2026 |
| 860572 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860600 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.32 | 64.24 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 Eligible | 1 | 03-11-2026 |
| 860606 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.63 | 59.26 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860617 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 860619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 |
| 860623 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860633 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.74 | 59.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 Eligible |  |  |
| 860651 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.52 | 68.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 Eligible | 1.7 | 02-18-2026 |
| 860729 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-09-2026 |
| 860739 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-17-2026 | AVM |  |  |  | xxxxxx | 26.79 | 59.72 | xxxxxx | xxxxxx | -.0249 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0249 | xxxxxx | 05-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860743 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.8 | 48.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 860744 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.87 | 64.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860747 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860760 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860780 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 860814 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-18-2026 Eligible | 1.2 | 02-18-2026 |
| 860830 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.42 | 59.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 860831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 860836 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.1930 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 12-21-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1930 | xxxxxx | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860853 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.34 | 25.34 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860879 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.44 | 78.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 |
| 860880 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.0 | 45.0 | xxxxxx | xxxxxx | -.0638 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0638 | xxxxxx | Moderate Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860882 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860935 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.46 | 46.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 Eligible | 1 | 12-19-2025 |
| 860936 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.76 | 42.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 860941 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 01-31-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860945 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-17-2026 |
| 860948 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0851 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0851 | xxxxxx | Moderate Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860956 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 860969 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.89 | 57.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 860990 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 860995 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.24 | 28.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861001 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 |
| 861003 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-24-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 Eligible | 1 | 02-04-2026 |
| 861006 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 Eligible | 1 | 03-02-2026 |
| 861076 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 861084 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861110 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0097 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0097 | 97.0 | 0.03 | xxxxxx | xxxxxx | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861121 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 861127 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861128 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.81 | 76.81 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 861138 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 861146 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-25-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 03-05-2026 Eligible | 1 | 03-05-2026 |
| 861151 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.14 | 49.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2026 Eligible | 1.1 | 02-17-2026 |
| 861152 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.85 | 53.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861157 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861170 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-24-2026 Eligible | 1 | 02-24-2026 |
| 861177 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-18-2026 |
| 861197 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.8 | 88.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 Eligible | 1 | 03-11-2026 |
| 861200 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 861203 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.18 | 78.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-10-2026 |
| 861204 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-25-2026 Eligible |  |  |
| 861222 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 Eligible | 2 | 02-24-2026 |
| 861234 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.71 | 48.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-17-2026 |
| 861237 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 861243 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.01 | 63.01 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 861247 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.86 | 58.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 Eligible | 1 | 03-17-2026 |
| 861268 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 Eligible | 1 | 02-20-2026 |
| 861276 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-20-2026 |
| 861282 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861306 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-02-2026 |
| 861312 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0692 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0692 | 97.0 | 0.03 | xxxxxx | xxxxxx | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-23-2026 Eligible |  |  |
| 861335 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 861344 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.25 | 73.25 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861377 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-23-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.41 | 57.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861407 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 Eligible |  |  |
| 861416 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.09 | 28.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-11-2026 |
| 861423 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.99 | 52.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 01-20-2026 |
| 861427 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.45 | 45.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-11-2026 |
| 861468 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.64 | 59.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861476 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8.89 | 62.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 Eligible | 2 | 03-05-2026 |
| 861477 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.25 | 68.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-03-2026 |
| 861480 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.43 | 78.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-10-2026 |
| 861485 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.11 | 41.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-10-2026 |
| 861501 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | 0.0 | .0000 | 03-08-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-11-2026 |
| 861549 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 861551 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 Eligible | 1 | 02-02-2026 |
| 861572 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-19-2026 Eligible | 1.3 | 03-19-2026 |
| 861579 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.0 | 73.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861584 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.33 | 58.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-02-2026 |
| 861587 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 861588 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861591 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-09-2026 Eligible | 1.2 | 03-09-2026 |
| 861601 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | xxxxxx | .1343 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .1343 | 03-11-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861605 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 861606 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861609 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-20-2026 |
| 861618 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 861646 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.46 | 36.03 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-12-2026 Eligible | 1 | 03-12-2026 |
| 861650 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.05 | 53.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861725 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.51 | 17.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861729 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861731 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 861740 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.71 | 60.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 861741 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 Eligible | 1 | 02-18-2026 |
| 861755 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.69 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 Eligible | 1.3 | 03-09-2026 |
| 861773 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-09-2026 |
| 861798 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-10-2026 |
| 861994 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 862000 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.76 | 61.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 862006 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.63 | 58.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862010 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.73 | 43.14 | xxxxxx | xxxxxx | .0206 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0206 | 90.0 | 0.1 | xxxxxx | xxxxxx | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862021 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 862035 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-10-2026 |
| 862046 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.95 | 69.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 Eligible | 1 | 02-18-2026 |
| 862052 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.78 | 55.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2026 |
| 862064 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 Eligible |  |  |
| 862117 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.14 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-23-2026 |
| 862119 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862127 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.14 | 35.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862147 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 Eligible | 1 | 03-18-2026 |
| 862148 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862153 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 862164 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862189 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-01-2026 Eligible | 1 | 03-01-2026 |
| 862203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862235 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 862249 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-01-2026 Eligible | 1 | 03-01-2026 |
| 862288 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.63 | 69.63 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 862289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.54 | 38.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-09-2026 Eligible | 1 | 03-09-2026 |
| 862291 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862346 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-16-2026 |
| 862348 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 |
| 862468 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-20-2026 Eligible |  |  |
| 862472 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 862474 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 862475 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.17 | 59.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 862478 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862493 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2026 |
| 862497 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-02-2026 |
| 862503 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 Eligible | 1 | 02-16-2026 |
| 862511 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-26-2026 Eligible |  |  |
| 862540 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.37 | 49.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 862544 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-19-2026 |
| 862548 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862570 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.02 | 74.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-12-2026 Eligible | 1 | 03-12-2026 |
| 862572 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.9 | 73.9 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-26-2026 Eligible |  |  |
| 862593 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 862595 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0215 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0215 | 87.0 | 0.13 | xxxxxx | xxxxxx | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862603 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 862616 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 862622 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862625 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.88 | 60.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-15-2026 Eligible | 1 | 03-15-2026 |
| 862631 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.79 | 51.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-12-2026 |
| 862653 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0722 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0722 | xxxxxx | Moderate Risk | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-28-2026 Eligible |  |  |
| 862660 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.84 | 36.84 | xxxxxx | xxxxxx | .0263 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0263 | 11-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862705 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.87 | 43.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-16-2026 Eligible | 2 | 03-16-2026 |
| 862941 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.36 | 71.36 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-24-2026 |
| 862945 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 862951 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-06-2026 Eligible |  |  |
| 862970 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.1 | 56.38 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 863011 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 Eligible | 1 | 03-16-2026 |
| 863037 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate risk | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2026 Eligible |  |  |
| 863043 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-24-2026 |
| 863169 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 2/19/2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863170 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 2/19/2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863172 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863199 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 Eligible | 1.6 | 04-09-2026 |
| 863203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 863221 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 Eligible | 1 | 03-24-2026 |
| 863246 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863255 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 863312 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-18-2026 |
| 863315 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 Eligible | 1 | 11-25-2025 |
| 863317 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.48 | 38.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-26-2026 |
| 863319 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-23-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-18-2026 Eligible | 1 | 03-18-2026 |
| 863374 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-13-2026 Eligible | 1 | 03-13-2026 |
| 863419 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-16-2026 Eligible | 1.2 | 03-16-2026 |
| 863436 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 Eligible |  |  |
| 863439 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.53 | 79.57 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863440 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.91 | 59.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 863442 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.31 | 50.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-20-2026 Eligible |  |  |
| 863443 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.38 | 80.0 | xxxxxx | xxxxxx | -.1051 | 2000 One Unit Appraisal Field Review | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 03-12-2026 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1051 | xxxxxx | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863445 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.0 | 89.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 Eligible | 1 | 03-19-2026 |
| 863449 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-19-2026 Eligible | 1 | 03-19-2026 |
| 863450 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 |
| 863456 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-15-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 03-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863464 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0541 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0541 | xxxxxx | MODERATE RISK | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-24-2026 |
| 863543 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 863555 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.76 | 73.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-20-2026 |
| 863556 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.75 | 78.75 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 863641 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.0 | 74.0 | xxxxxx | xxxxxx | -.0081 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0081 | 95.0 | 0.05 | xxxxxx | xxxxxx | 03-12-2026 | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863643 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863681 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.36 | 74.36 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 863779 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | xxxxxx | .0897 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0897 | 02-22-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863801 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-23-2026 Eligible |  |  |
| 863816 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2026 Eligible | 1 | 04-09-2026 |
| 863820 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863858 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863884 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0870 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0870 | xxxxxx | Low Risk | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 Eligible |  |  |
| 863897 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 Eligible |  |  |
| 863941 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-25-2026 Eligible | 1 | 03-25-2026 |
| 864004 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-25-2026 |
| 864066 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0842 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0842 | 94.0 | 0.06 | xxxxxx | xxxxxx | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864071 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 864076 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 864270 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-23-2026 |
| 864598 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-14-2026 |

---

## Exhibit 99.14

**EXHIBIT 99.14**

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

![](tm2615156d1_ex99-14img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2026-5**

**By Clarifii LLC on May 20, 2026**

Verus 2026-5 Due Diligence Narrative Report – PagE \| 1

![](tm2615156d1_ex99-14img001.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 825 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2026-5 transaction. The Loans referenced in this narrative report were reviewed between 08/2025 to 05/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;237 | &nbsp;&nbsp;28.73% | &nbsp;&nbsp;$132118205.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;130 | &nbsp;&nbsp;15.76% | &nbsp;&nbsp;$94295745.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$88000.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$2165000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;455 | &nbsp;&nbsp;55.15% | &nbsp;&nbsp;$258981636.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$487648586.00** |

---

The Review consisted of a population of 825 Loans, with an aggregate principal balance of $487,648,586.00.

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

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

**LOAN SAMPLING**

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

Verus 2026-5 Due Diligence Narrative Report – PagE \| 2

![](tm2615156d1_ex99-14img001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Condo Rider |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;Family Rider 1-4 |
| &nbsp;&nbsp;Final Qualifying Property Value |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |

---

Verus 2026-5 Due Diligence Narrative Report – PagE \| 3

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---

| |
|:---|
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Liquid Funds Post-Close |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maximum Prepayment Penalty Amount |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;PUD Rider |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |

---

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![](tm2615156d1_ex99-14img001.jpg)

**CREDIT UNDERWRITING**

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

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

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

---

| |
|:---|
| Assets and Reserves |
| Gross Income |
| Lien Position |
| Loan Purpose |
| Housing History |
| Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV) |
| Monthly Debt |
| Occupancy |
| Property Type |
| Qualifying principal, interest, tax, insurance, and association dues (PITIA) |
| Debt to Income Ratio (DTI) |
| Residual Income |
| Debt Service Coverage Ratio (DSCR) |

---

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

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

---

| |
|:---|
| All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2 |
| Borrower(s) employment history |
| Citizenship and eligibility |
| First time home buyer status |
| The application was signed by all borrowers |
| The application was substantially complete |

---

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

Clarifii verified the following items:

---

| |
|:---|
| A credit report or alternative credit history as applicable to Loan type is present for each borrower |
| Bankruptcy and foreclosure seasoning |
| Captured the monthly consumer debt payments for use in the applicable DTI calculation |
| Installment and revolving payment history |
| Mortgage/Rental payment history |
| Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts |
| Number of tradelines |
| Credit Score(s) and Qualifying Score Methodology |

---

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

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

---

| |
|:---|
| Tax returns |
| Financial statements |
| Paystubs |
| IRS Form W-2s |
| IRS Form 1099 |
| IRS documents |
| Bank statements |
| Lease agreements |
| Award letters |
| Other documentation in Loan file |

---

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment <br> - 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

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

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

---

| |
|:---|
| Verification of deposits (VOD) |
| Depository account statements |
| Stock or security account statements |
| Gift funds |
| Settlements statements |
| Other evidence of conveyance and transfer of funds if a sale of assets was involved |
| Other documentation in Loan file |
| Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds |

---

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

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

---

| |
|:---|
| Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a "Life of Loan" certification |
| Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns" |
| Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations |
| For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines |
| For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines |
| Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current |
| Verified that the hazard insurance meets the minimum required amount of coverage in |
| the guidelines |

---

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

---

| |
|:---|
| Calculated DSCR, as required by guidelines |
| Confirmed documentation requirements have been met |
| Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines |

---

**DOCUMENT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final 1003 Application** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage/Deed of Trust** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Appraisal** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Sales Contract** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Title Commitment/Policy** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Junior Lien/Subordination Agreement** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Mortgage Insurance** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Flood Certification** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final Loan Estimate (LE)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Initial and Final and Closing Disclosure (CD)** 

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

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**COMPLIANCE REVIEW**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

---

| |
|:---|
| Initial and final application (1003) |
| Note, including all addendums |
| Copy of note for any junior liens (if applicable) |
| Mortgage / Deed of Trust, including all riders |
| Initial, Interim, and Final Loan Estimates (LE) |
| Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z) |
| Notice of Right to Cancel (when applicable) |
| Rate Lock Date |
| HOEPA Disclosures (when applicable) |
| Initial Escrow Account Disclosure |

---

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

**TILA/RESPA Integrated Disclosure Testing (TRID)**

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

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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.

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&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

---

| |
|:---|
| Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq. |
| California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq. |
| California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq. |
| Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq. |
| Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008). |
| Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current) |
| District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007. |
| Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014). |
| Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53). |
| Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003). |
| Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed) |
| Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004). |
| Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). |
| City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325. |
| Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |
| Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq. |
| 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). |

---

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---

| |
|:---|
| Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq. |
| Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq. |
| New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq. |
| New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq. |
| New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001). |
| New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). |
| New York Subprime Home Loans, NY Bank. Law § 6-m. |
| North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended. |
| Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63. |
| Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq. |
| City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003. |
| Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq. |
| Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003). |
| Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq. |
| Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq. |
| 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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&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

&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;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.

**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:**

&nbsp;&nbsp;&nbsp;&nbsp;· If
 the AVM (Automated Valuation Model) or AVE/CMA (Automated Valuation Estimate/ Comparative
 Market Analysis) supported the origination appraised value within -10% variance, no additional
 products were required.

· 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.

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

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

· 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 –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA<br> or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;415 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;372 |
| &nbsp;&nbsp;Field Review/2055 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;19 |

---

*Two loans in the population are multi-property and are not included in the table above. Please refer to the Clarifii Multi-Property Reports for valuation details.*

**DUE DILIGENCE GRADING CRITERIA**

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

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

Verus 2026-5 Due Diligence Narrative Report – PagE \| 14

![](tm2615156d1_ex99-14img001.jpg)

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

Verus 2026-5 Due Diligence Narrative Report – PagE \| 15

![](tm2615156d1_ex99-14img001.jpg)

**Compliance Event Grade**

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results Moodys** | &nbsp;&nbsp;**Overall Review Results Moodys** | &nbsp;&nbsp;**Overall Review Results Moodys** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;578 | &nbsp;&nbsp;70.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;201 | &nbsp;&nbsp;24.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results DBRS** | &nbsp;&nbsp;**Overall Review Results DBRS** | &nbsp;&nbsp;**Overall Review Results DBRS** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;604 | &nbsp;&nbsp;73.21% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;221 | &nbsp;&nbsp;26.79% |
| &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;**825** | &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.

Verus 2026-5 Due Diligence Narrative Report – PagE \| 16

![](tm2615156d1_ex99-14img001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary Moodys** | &nbsp;&nbsp;**Final Credit Grade Summary Moodys** | &nbsp;&nbsp;**Final Credit Grade Summary Moodys** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;689 | &nbsp;&nbsp;83.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;90 | &nbsp;&nbsp;10.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary DBRS** | &nbsp;&nbsp;**Final Credit Grade Summary DBRS** | &nbsp;&nbsp;**Final Credit Grade Summary DBRS** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;731 | &nbsp;&nbsp;88.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;94 | &nbsp;&nbsp;11.39% |
| &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;**825** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary Moodys** | &nbsp;&nbsp;**Final Property Grade Summary Moodys** | &nbsp;&nbsp;**Final Property Grade Summary Moodys** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;779 | &nbsp;&nbsp;94.42% |
| &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;N/A | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary DBRS** | &nbsp;&nbsp;**Final Property Grade Summary DBRS** | &nbsp;&nbsp;**Final Property Grade Summary DBRS** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;825 | &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;**825** | &nbsp;&nbsp;**100.00%** |

---

Verus 2026-5 Due Diligence Narrative Report – PagE \| 17

![](tm2615156d1_ex99-14img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** | &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** | &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;660 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;119 | &nbsp;&nbsp;14.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary DBRS** | &nbsp;&nbsp;**Final Compliance Grade Summary DBRS** | &nbsp;&nbsp;**Final Compliance Grade Summary DBRS** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;690 | &nbsp;&nbsp;83.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;135 | &nbsp;&nbsp;16.36% |
| &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;**825** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.45% | &nbsp;&nbsp;$9485255.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;813 | &nbsp;&nbsp;98.55% | &nbsp;&nbsp;$478163331.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$487648586.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;426 | &nbsp;&nbsp;51.64% | &nbsp;&nbsp;$312772300.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;24 | &nbsp;&nbsp;2.91% | &nbsp;&nbsp;$15001416.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;375 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;$159874870.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$487648586.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;452 | &nbsp;&nbsp;54.79% | &nbsp;&nbsp;$260731525.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;373 | &nbsp;&nbsp;45.21% | &nbsp;&nbsp;$226917061.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$487648586.00** |

---

Verus 2026-5 Due Diligence Narrative Report – PagE \| 18

![](tm2615156d1_ex99-14img001.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;779 | &nbsp;&nbsp;94.42% | &nbsp;&nbsp;$473385647.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.58% | &nbsp;&nbsp;$14262939.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$487648586.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;300 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$662000.00 |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$2802250.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;$6437750.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;806 | &nbsp;&nbsp;97.70% | &nbsp;&nbsp;$477583728.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% | &nbsp;&nbsp;$162858.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**825** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$487648586.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;61 | &nbsp;&nbsp;144 | &nbsp;&nbsp;57.64% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;40 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;23 | &nbsp;&nbsp;740 | &nbsp;&nbsp;96.89% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;6 | &nbsp;&nbsp;98 | &nbsp;&nbsp;93.88% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;25 | &nbsp;&nbsp;746 | &nbsp;&nbsp;96.65% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;3 | &nbsp;&nbsp;362 | &nbsp;&nbsp;99.17% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;9 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;93.33% |

---

Verus 2026-5 Due Diligence Narrative Report – PagE \| 19

![](tm2615156d1_ex99-14img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;18 | &nbsp;&nbsp;107 | &nbsp;&nbsp;83.18% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;47 | &nbsp;&nbsp;217 | &nbsp;&nbsp;78.34% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;55 | &nbsp;&nbsp;165 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Condo Rider | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;7 | &nbsp;&nbsp;41 | &nbsp;&nbsp;82.93% |
| &nbsp;&nbsp;Family Rider 1-4 | &nbsp;&nbsp;3 | &nbsp;&nbsp;13 | &nbsp;&nbsp;76.92% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;10 | &nbsp;&nbsp;86 | &nbsp;&nbsp;88.37% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;63 | &nbsp;&nbsp;276 | &nbsp;&nbsp;77.17% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;686 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;15 | &nbsp;&nbsp;747 | &nbsp;&nbsp;97.99% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Liquid Funds Post-Close | &nbsp;&nbsp;42 | &nbsp;&nbsp;88 | &nbsp;&nbsp;52.27% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;25 | &nbsp;&nbsp;666 | &nbsp;&nbsp;96.25% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;46 | &nbsp;&nbsp;78 | &nbsp;&nbsp;41.03% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;656 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;21 | &nbsp;&nbsp;40 | &nbsp;&nbsp;47.50% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;6 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Maximum Prepayment Penalty Amount | &nbsp;&nbsp;12 | &nbsp;&nbsp;44 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;144 | &nbsp;&nbsp;73.61% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;11 | &nbsp;&nbsp;740 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;661 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;6 | &nbsp;&nbsp;37 | &nbsp;&nbsp;83.78% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;93.10% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;10 | &nbsp;&nbsp;638 | &nbsp;&nbsp;98.43% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;16 | &nbsp;&nbsp;209 | &nbsp;&nbsp;92.34% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;15 | &nbsp;&nbsp;753 | &nbsp;&nbsp;98.01% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;88 | &nbsp;&nbsp;98.86% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;7 | &nbsp;&nbsp;747 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;235 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;118 | &nbsp;&nbsp;595 | &nbsp;&nbsp;80.17% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;6 | &nbsp;&nbsp;747 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;PUD Rider | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;498 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;692 | &nbsp;&nbsp;97.11% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;29 | &nbsp;&nbsp;687 | &nbsp;&nbsp;95.78% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;702 | &nbsp;&nbsp;95.30% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;92 | &nbsp;&nbsp;439 | &nbsp;&nbsp;79.04% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;28 | &nbsp;&nbsp;78.57% |

---

Verus 2026-5 Due Diligence Narrative Report – PagE \| 20

![](tm2615156d1_ex99-14img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;296 | &nbsp;&nbsp;97.64% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;352 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;60 | &nbsp;&nbsp;98.33% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;238 | &nbsp;&nbsp;88.66% |

---

**TAX AND TITLE REVIEW (1 Mortgage Loan)**

As part of the due diligence services, the Client provided Clarifii with identifying data on 1 Loan. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· No
 potential issues surrounding origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;· No
 potential issues surrounding delinquent property taxes.

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

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

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

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

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

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

9. Business Purpose Supplement Data Extract Report

10. Multi-Property Data Extract Report

11. Rating Agency Multi-Property Valuation Report

12. Tax and Title Report

**Disclaimer**

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

Verus 2026-5 Due Diligence Narrative Report – PagE \| 21

![](tm2615156d1_ex99-14img001.jpg)

*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.*© 2026 Clarifii LLC. All rights reserved.

Verus 2026-5 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.15

**EXHIBIT 99.15**

**CLARIFII RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **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** |
| 844855 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 09:35 | 2025-11-24 10:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received correct Note reflecting IO 120 months. - Due Diligence Vendor-11/24/2025 <br> Open-The Note is Incomplete The Note provided indicates an I/O term of 360 months. Max I/O term is 120.<br> - Due Diligence Vendor-10/30/2025 |  | Resolved-Received correct Note reflecting IO 120 months. - Due Diligence Vendor-11/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 14:54 | 2025-11-24 10:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review no longer using the xxxxxx account. No additional documentation required. - Due Diligence Vendor-11/24/2025 <br> Counter-Transaction history is insufficient asset validation-Missing an account statement covering a one (1) month period for xxxxxx acct xxxxxx, that meets the requirements per section 2.6.2 of the guides. - Due Diligence Vendor-10/08/2025 <br> Counter-Received printout from xxxxxx xxxxxxxx-missing corresponding statement-finding remains-Asset Record 1 Does Not Meet G/L Requirements Missing an account statement covering a one (1) month period for xxxxxx acct xxxxxx, that meets the requirements per section 2.6.2 of the guides. - Due Diligence Vendor-09/29/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing an account statement covering a one (1) month period for xxxxxx acct xxxxxx, that meets the requirements per section 2.6.2 of the guides.<br> - Due Diligence Vendor-09/18/2025 |  | Resolved-Upon further review no longer using the xxxxxx account. No additional documentation required. - Due Diligence Vendor-11/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 14:54 | 2025-11-24 10:24 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Document Uploaded. 2 months statements provided for xxxxxx - Due Diligence Vendor-10/28/2025 <br> Counter-Transaction history is insufficient asset validation-Missing an account statement covering a one (1) month period for xxxxxx acct xxxxxx and xxxxxx xxxxxxxx, that meets the requirements per section 2.6.2 of the guides. - Due Diligence Vendor-10/08/2025 <br> Counter-Received printout from xxxxxx xxxxxxxx-missing corresponding statement-finding remains-total Qualified Assets Post-Close amount is '$-13466.8'. Assets are Insufficient. Missing eligible asset documentation sufficient to cover closing costs. - Due Diligence Vendor-09/29/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-13466.8'. Assets are Insufficient. Missing eligible asset documentation sufficient to cover closing costs. - Due Diligence Vendor-09/18/2025 |  | Resolved-Document Uploaded. 2 months statements provided for xxxxxx - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  | eStmt_2025-07-29_xxxxxx_f3447ef34c07c7da.pdf<br> eStmt_2025-06-26_xxxxxx_c41d86a4a2a51174.pdf<br> xxxxxx_Account_statement_actual[1]_xxxxxx_6cca7f7541ceea68 (1) (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 15:17 | 2025-11-24 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received confirmation of ownership of primary residence. - Due Diligence Vendor-11/24/2025 <br> Counter-Received applications-missing confirmation if borrowers rent or own primary residence. - Due Diligence Vendor-11/07/2025 <br> Counter-Received multiple application uploaded. None are completely filled out. Please ensure all questions are answered and the document is signed and dated. - Due Diligence Vendor-10/30/2025 <br> Open-Missing the completed 1003 for Guarantor 2 - Due Diligence Vendor-09/26/2025 |  | Resolved-Received confirmation of ownership of primary residence. - Due Diligence Vendor-11/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 15:36 | 2025-11-13 10:50 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Loan approval received. - Due Diligence Vendor-11/13/2025 <br> Counter-No document received. Provide loan approval with the correct loan terms for final review. - Due Diligence Vendor-11/12/2025 <br> Counter-Received letter of intent-documentation does not reflect correct loan amount, borrower. Provide final correct. - Due Diligence Vendor-11/06/2025 <br> Open-Missing Approval/Underwriting Summary The loan file does not contain a 1008 or a loan approval to show how the lender closed the loan. - Due Diligence Vendor-09/18/2025 |  | Resolved-Loan approval received. - Due Diligence Vendor-11/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 12:20 | 2025-11-07 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Received application for B2 reflecting xxxxxx. - Due Diligence Vendor-11/07/2025 <br> Open-It should be noted that a completed loan application for B2 was not provided and there is no citizenship documented for B2 in the loan file. Audit qualified the borrower as a xxxxxx; however, additional conditions may apply if the missing documentation provided reflects B2 is not a xxxxxx. - Due Diligence Vendor-09/24/2025 |  | Resolved-Received application for B2 reflecting xxxxxx. - Due Diligence Vendor-11/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846435 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 15:36 | 2025-10-28 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Document Uploaded. 2 months statements provided for xxxxxx - Due Diligence Vendor-10/28/2025 <br> Counter-Review has not received bank statements-please re upload. - Due Diligence Vendor-10/09/2025 <br> Counter-Review did not receive bank statements-Transaction history is insufficient asset validation-Missing an account statement covering a one (1) month period for xxxxxx acct xxxxxx and xxxxxx xxxxxxxx, that meets the requirements per section 2.6.2 of the guides. - Due Diligence Vendor-10/08/2025 <br> Counter-otal Qualified Assets Post-Close amount is '$-13466.8'. Assets are Insufficient. Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Loan file is missing eligible assets to cover the minimum reserves required. - Due Diligence Vendor-09/29/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) Loan file is missing eligible assets to cover the minimum reserves required. - Due Diligence Vendor-09/18/2025 |  | Resolved-Document Uploaded. 2 months statements provided for xxxxxx - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - The borrowers' qualifying FICO score is 740, minimum FICO score is 680.<br>DSCR % greater than 1.20 - DSCR % is 1.298% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847540 | xxxxxx C A | Closed | xxxxxx | 2025-11-07 15:06 | 2025-11-13 15:47 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-EIN provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-The Business Entity Formation Document is incomplete File is missing verification of EIN # for Business Entity - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-EIN provided. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - 127.90 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - 64.48% LTV; max 65% LTV |  | EIN verification.pdf<br> xxxxxx EIN number explanation.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-16 19:59 | 2026-05-01 09:15 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Upon further review, the lower xxxxxx value was used for approval as required by the guidelines. - Due Diligence Vendor-11/14/2025 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.71'. Maximum value variance 10% between appraisal and secondary review product. Guide does not specifically state the lower secondary value can be used or that a xxxxxx exterior only product is acceptable. - Due Diligence Vendor-09/19/2025 |  | Resolved-Upon further review, the lower xxxxxx value was used for approval as required by the guidelines. - Due Diligence Vendor-11/14/2025 | Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 10:32 | 2026-05-01 09:14 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 <br> Counter-Client Comments - We provided the 2023 Transcripts in the loan file and support the 2023 1040s in file. The Sch E matches the 1120S returns AND the Sch C doesnt belong to our Borrower - AUDIT response - 2023 1040 was not located in the loan file.<br> - Due Diligence Vendor-11/14/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the 2023 1040 tax returns to coincide with the 2023 business returns and 2023 tax transcripts. - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 | Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 10:27 | 2025-11-18 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 <br> Counter-Client Comments - We provided the 2023 Transcripts in the loan file and support the 2023 1040s in file. The Sch E matches the 1120S returns AND the Sch C doesnt belong to our Borrower - AUDIT response - 2023 1040 was not located in the loan file. <br> - Due Diligence Vendor-11/14/2025 <br> Open-Borrower 1 Personal Tax Returns Missing Missing the 2023 1040 tax returns to coincide with the 2023 business returns and 2023 tax transcripts. - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 | Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848732 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 11:50 | 2026-04-28 15:33 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-11/11/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. No xxxxxx/xxxxxx SSR's provided OR AVM/Desk Review - Due Diligence Vendor-10/16/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - We have 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 2 mos reserves - we have 160.46 with cash out remaining. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848732 | xxxxxx D A C | Closed | xxxxxx | 2025-11-11 11:47 | 2025-12-02 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | Product Type does not meet eligibility requirement(s) | Resolved-Received corrected fully amortizing Note. - Due Diligence Vendor-12/02/2025 <br> Open-The subject note is a IO for 360 months with a balloon due at maturity, which is not an acceptable product. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received corrected fully amortizing Note. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - We have 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 2 mos reserves - we have 160.46 with cash out remaining. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848732 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 12:07 | 2025-11-11 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-11/11/2025 <br> Open-Missing Third Party Fraud Report Missing third party Fraud Report. Only OFAC/xxxxxx provided for Business name, Borrower and Co-borrower's names. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - We have 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 2 mos reserves - we have 160.46 with cash out remaining. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848732 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 11:58 | 2025-11-11 09:05 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received HOI reflecting borrower and vested entity. - Due Diligence Vendor-11/11/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) Should be in both borrowers names along with Business name - Due Diligence Vendor-10/16/2025 |  | Resolved-Received HOI reflecting borrower and vested entity. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - We have 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 2 mos reserves - we have 160.46 with cash out remaining. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848732 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 12:39 | 2025-11-11 09:02 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval - Due Diligence Vendor-11/11/2025 <br> Open-Missing Approval/Underwriting Summary Missing Loan Approval or 1008 - Due Diligence Vendor-10/16/2025 |  | Resolved-Received loan approval - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - We have 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 2 mos reserves - we have 160.46 with cash out remaining. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848732 | xxxxxx D A C | Closed | xxxxxx | 2025-10-16 12:04 | 2025-10-21 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. This condition was cleared preclose with the attached documentation - Seller-10/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements No documentation provided to verify what mortgage on credit report is associated with borrowers current residence. We need to verify an acceptable 12 month payment history for mortgage on current home. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. This condition was cleared preclose with the attached documentation - Seller-10/20/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - We have 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 2 mos reserves - we have 160.46 with cash out remaining. |  | DOT - xxxxxx.pdf<br> image (1).png<br> image.png | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849991 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850510 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850513 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 07:18 | 2026-02-15 15:35 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received sufficient coverage confirmation - Due Diligence Vendor-02/15/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Minimum coverage amount of the insurance policy must cover at least equal to the lessor of: Full replacement cost value of the improvements as of the current property insurance policy effective date or Total loan amount (including both first mortgage and second mortgage/HELOC), provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. - Due Diligence Vendor-02/06/2026 |  | Resolved-Received sufficient coverage confirmation - Due Diligence Vendor-02/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746<br>LTV is less than guideline maximum - Required is 70 Borrower has 64.86 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 09:15 | 2025-09-11 17:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/11/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% EXCEPTION REQUEST to exceed GL by 5% on CLTV - Due Diligence Vendor-08/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% | FICO SCORE IS AT LEAST 20 POINTS ABOVE minimum<br> dti 5% below max<br> mortgage history 0x30 24 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 09:57 | 2025-08-29 16:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factor - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Per guides, properties owned less than six (6) months ineligible, borrower purchased the property in xxxxxx. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 | Waived-Originator provided a waiver for seasoning, applied to non material finding with comp factor - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% | Qualifying FICO score is at least 20 points above minimum for program<br> 5+ years Verified employment history exceeds guidelines | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | N/A | xxxxxx |
| 850630 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 09:05 | 2025-08-28 12:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved--Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. - Due Diligence Vendor-08/28/2025 <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 $50.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. Finding resolved. - Due Diligence Vendor-08/27/2025 |  | Resolved--Zero (0%) tolerance fees increased by $50.00 (appraisal) without a valid COC in file. Lender credit on final CD, $50.00 for increase in closing costs above legal limit. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers FICO is 779<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 19.67% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851467 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851630 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 10:28 | 2026-01-23 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Amendment to the Note provided removing the prepay - Due Diligence Vendor-01/23/2026 <br> Open-Prepayment Penalty is not allowed. Loan closed Individually. A PPP cannot be applied to an individual in xxxxxx only on a C-Corp or S-Corp. - Due Diligence Vendor-12/18/2025 |  | Resolved-Amendment to the Note provided removing the prepay - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 708 Required is 660 Borrower has 708<br>Months Reserves exceed minimum required - 43.90 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851735 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851811 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 15:05 | 2025-12-31 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received Affidavit. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/31/2025 <br> Counter-Received xxxxxx Affidavit. Missing esign confirmation for borrowers e signature. - Due Diligence Vendor-12/23/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. xxxxxx Foreign National Affidavit is missing. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received Affidavit. - Due Diligence Vendor-12/31/2025 | LTV is less than guideline maximum - Required is 65 Borrower has 60 Required is 65 Borrower has 60<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.071 Required is 0.75 Borrower has 1.071 |  | CERTIFICATE FOR E-SIGN (1) (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851811 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 15:16 | 2025-12-22 09:29 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-12/22/2025 <br> Open-Missing Approval/Underwriting Summary Missing Loan Approval, Underwriting Summary, or DTI Calculation Worksheet. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-12/22/2025 | LTV is less than guideline maximum - Required is 65 Borrower has 60 Required is 65 Borrower has 60<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.071 Required is 0.75 Borrower has 1.071 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 18:47 | 2026-02-09 11:46 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Conversion rate to xxxxxx was provided for the money market account. - Due Diligence Vendor-02/09/2026 <br> Counter-Received current, Jan 2026 screen shots and xxxxxx statement dated 6/30/2025. Provide complete assets dated within 120 days of Note. Must meet guidelines for foreign assets. Finding remains. - Due Diligence Vendor-01/29/2026 <br> Counter-Received duplicate documentation of $90k heloc deposit. Finding remains - Due Diligence Vendor-12/17/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-5385.37'. Assets are Insufficient. Only $90k deposit partially documented. EMD not verified and cannot be considered. Account with xxxxxx has only $1k in it. No other assets documented. Short cash to close and minimum 6 months reserve requirement. Additional findings may apply. - Due Diligence Vendor-12/10/2025 |  | Resolved-Conversion rate to xxxxxx was provided for the money market account. - Due Diligence Vendor-02/09/2026 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 19:03 | 2026-02-09 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Document Uploaded. Conversion rate to xxxxxx was provided for the money market account. - Due Diligence Vendor-02/09/2026 <br> Counter-The balance on the account reflects it is in xxxxxx dollars and would need a conversion to xxxxxx dollars. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Lender provided retirement statements. - Due Diligence Vendor-02/09/2026 <br> Counter-Received current, Jan 2026 screen shots and xxxxxx Retirement statement dated 6/30/2025. Provide complete assets dated within 120 days of Note. Must meet guidelines for foreign assets. Finding remains. - Due Diligence Vendor-01/29/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Only $90k deposit partially documented. EMD not verified and cannot be considered. Account with xxxxxx has only $1k in it. No other assets documented. Short cash to close and minimum 6 months reserve requirement. Additional findings may apply. <br> - Due Diligence Vendor-12/11/2025 |  | Resolved-Document Uploaded. Conversion rate to xxxxxx was provided for the money market account. - Due Diligence Vendor-02/09/2026 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  | 851932_xxxxxx Exchange Rate.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 18:16 | 2026-01-20 11:11 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received LOE from borrower confirming no relationship with seller. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/16/2026 <br> Open-Vested Owner Signature Requirement Not met. Document that the borrower(s) do not have any ownership interest in the owning/selling entity.<br> - Due Diligence Vendor-12/10/2025 |  | Resolved-Received LOE from borrower confirming no relationship with seller. - Due Diligence Vendor-01/20/2026 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  | LOE (5).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 18:33 | 2026-01-16 17:21 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-LOE provided by borrower stating no relationship. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/16/2026 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Missing explanation as to how the borrowers found the property and their relationship to the seller. Property was never listed for sale and several parties are involved. Must meet non-arm's requirements in guidelines. - Due Diligence Vendor-12/10/2025 |  | Resolved-LOE provided by borrower stating no relationship. - Due Diligence Vendor-01/16/2026 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  | LOE (5).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 18:16 | 2026-01-15 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-After further review, final title policy provided, xxxxxx are in line- Condition resolved - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Received preliminary title report reflecting xxxxxx agreements. Schedule B #10 several xxxxxx and xxxxxx agreements noted. Confirmation of removal of exceptions required for eligibility. - Due Diligence Vendor-01/08/2026 <br> Open-Title Document is missing Missing clear preliminary title report showing proposed lender, proposed xxxxxx Entity, loan amount, Seller as the current vested owner with 24-month chain showing the only transfer occurred xxxxxx to the selling entity and showing taxes are paid current. Title provided is for another address and borrower in another state. Additional findings may apply. <br> - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2026 | Resolved-After further review, final title policy provided, Surface rights are in line- Condition resolved - Due Diligence Vendor-01/15/2026 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  | Signed LTP Policy (1).PDF | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 17:53 | 2025-12-30 11:14 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received All entity docs. - Due Diligence Vendor-12/30/2025 <br> Open-The Business Entity Formation Document is incomplete Missing for xxxxxx (1) Annual Registration (2) Certificate of Limited Partnership (formation documentation) (3) Partnership Agreement with ownership percentage disclosed (4) Certificate of Good Standing (the one provided is dated 09/27/25) - Due Diligence Vendor-12/11/2025 |  | Resolved-Received All entity docs. - Due Diligence Vendor-12/30/2025 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  | 851932_xxxxxx_CertOfGoodStanding_-_xxxxxx.pdf<br> 851932_xxxxxx_EIN_notice_-xxxxxx.pdf<br> 851932_xxxxxx_Formation_Document_xxxxxx.pdf<br> 851932_xxxxxx_Agreement_-_xxxxxx.pdf<br> COGS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 17:41 | 2025-12-17 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, a passport is not required for xxxxxx citizens. - Due Diligence Vendor-12/17/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing valid and unexpired xxxxxx issued visa or an I-797 form with valid extension dates and I-94 as required per guideline 6.1. xxxxxx is not listed as a participating country under the Visa Waiver Program. - Due Diligence Vendor-12/10/2025 |  | Resolved-After further review, a passport is not required for xxxxxx citizens. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 18:37 | 2025-12-17 09:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-12/17/2025 <br> Open-Missing Flood Certificate Missing flood certificate for life of the loan showing property is NOT in a flood zone. <br> - Due Diligence Vendor-12/10/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 18:41 | 2025-12-17 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/17/2025 <br> Open-Missing Third Party Fraud Report A background check (including criminal check and xxxxxx) dated within 90 days of the note date is required for each guarantor/borrower per section 9.8. Additional findings may apply. Must also include an OFAC check for both borrowers - Due Diligence Vendor-12/10/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851932 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 19:03 | 2025-12-11 14:17 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-12/11/2025 <br> Open-Missing Approval/Underwriting Summary Approval provided is for another borrower in the state of xxxxxx. (Title was for a different borrower in the state of xxxxxx.) - Due Diligence Vendor-12/11/2025 |  | Waived-Client waiver applied to non material finding with comp factors. <br> - Due Diligence Vendor-12/11/2025 | Months Reserves exceed minimum required - 6 months reserves required; 27.01 months in reserves<br>Long term residence - Per application borrowers have been residing in their primary residence for 5 years.  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851971 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 15:34 | 2026-05-04 15:34 | Waived | 2 - Non-Material B | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Waived--File contains two full appraisals and a desk review. Lower of two full appraisals used for LTV. Desk review obtained did not support original appraised value. - Due Diligence Vendor-05/04/2026 |  | Waived--File contains two full appraisals and a desk review. Lower of two full appraisals used for LTV. Desk review obtained did not support original appraised value. - Due Diligence Vendor-05/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Months Reserves exceed minimum required - 3 months reserves required; 73.42 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851971 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 14:53 | 2026-02-04 14:35 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received additional appraisal. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. uploaded appraisal - Seller-02/03/2026 <br> Counter-Received note from originator another appraisal for subject property and 1007 considered. Provide additional appraisal for review. Additional conditions may apply and initial finding remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. 1007 utilized is from a previous appraisal for same loan#. uploaded - Seller-01/29/2026 <br> Counter-Received 1007 from different file number, only single page received and different appraiser dated xxxxxx. Appraisal received in review is dated xxxxxx and reflects subject as vacant. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. uploaded 1007 supporting rental income used to qualify $3450 - Seller-01/21/2026 <br> Open-Loan approval reflects gross rents of $3,450 per month were used to calculate a DSCR of 2.55. The loan file contains only an xxxxxx and Short-Term Rental Feasibility Report, reflecting annual gross rents of $32,600. However, per guides, xxxxxx is not allowed on a refinance transaction. Using the gross rents from the xxxxxx report, minus a 20% extraordinary expense factor, results in a short-term rental income of $2,173.33 per month and a recalculated DSCR of 1.324. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. uploaded appraisal - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. 1007 utilized is from a previous appraisal for same loan#. uploaded - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. uploaded 1007 supporting rental income used to qualify $3450 - Seller-01/21/2026 | Resolved-Received additional appraisal. - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Months Reserves exceed minimum required - 3 months reserves required; 73.42 months in reserves |  | xxxxxx 1007.pdf<br> xxxxxx 1007.pdf<br> xxxxxx 1007.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851971 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 08:58 | 2026-02-04 14:13 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. CDA attached supporting xxxxxx - Seller-01/29/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Loan file contains a UCDP Submission Summary Report (SSR) for a different property/appraisal. Lender to provide a secondary valuation to support the appraised value. Additional conditions may apply, pending review. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. CDA attached supporting xxxxxx - Seller-01/29/2026 | Resolved-Received secondary valuation. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Months Reserves exceed minimum required - 3 months reserves required; 73.42 months in reserves |  | xxxxxx CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851971 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 14:07 | 2026-02-04 14:13 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Lender closed at lower appraised value. - Due Diligence Vendor-02/04/2026 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-33.80'. - Due Diligence Vendor-02/04/2026 |  | Resolved-Lender closed at lower appraised value. - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Months Reserves exceed minimum required - 3 months reserves required; 73.42 months in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851971 | xxxxxx C B A | Closed | xxxxxx | 2026-01-15 13:51 | 2026-01-30 14:15 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received complete declarations. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Revised CLA attached - Seller-01/29/2026 <br> Open-Borrower to complete questions on page 2 of loan application re: foreclosure, bankruptcy, and intent to occupy for more than 14 days. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Revised CLA attached - Seller-01/29/2026<br>| Resolved-Received complete declarations. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699<br>Months Reserves exceed minimum required - 3 months reserves required; 73.42 months in reserves |  | xxxxxx Revised CLA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851975 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852112 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 06:04 | 2026-04-02 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax bill provided showing zero exemptions. - Due Diligence Vendor-04/02/2026 <br> Counter-Received current owner tax billing. Title to provide re taxes as subject is a second home and not eligible for exemptions - Due Diligence Vendor-03/23/2026 <br> Open-Missing Evidence of Property Tax Missing tax estimate with no exemptions. Per title commitment, property has 100% principal residence exemption. Audit used taxes from the tax history provided in file. Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-03/16/2026 |  | Resolved-Tax bill provided showing zero exemptions. - Due Diligence Vendor-04/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>LTV is less than guideline maximum - Required is 80 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852112 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 06:14 | 2026-03-23 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received AIR cert. - Due Diligence Vendor-03/23/2026 <br> Open-Missing attestation/cert from the lender that AIR regulations were met. No xxxxxx per appraisal. <br> - Due Diligence Vendor-03/16/2026 |  | Resolved-Received AIR cert. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>LTV is less than guideline maximum - Required is 80 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852112 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 09:36 | 2026-03-23 09:28 | 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-03/23/2026 <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 subject mortgage. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.86<br>LTV is less than guideline maximum - Required is 80 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852185 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 07:43 | 2025-12-12 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Updated appraisal provided with appraiser comments stating the xxxxxx in unit xxxxxx is a xxxxxx. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/12/2025 <br> Open-Property Issues are identified for the property Audit is unable to determine from photo of xxxxxx Unit xxxxxx (PDF 24) if unit has a xxxxxx or xxxxxx. Additional findings may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Updated appraisal provided with appraiser comments stating the xxxxxx in unit xxxxxx is a xxxxxx. - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>Months Reserves exceed minimum required - 131.47 months reserves and 2 months required. |  | Appraisal Revised (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852185 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 14:39 | 2025-12-12 10:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received corrected hOI confirming sufficient coverage. - Due Diligence Vendor-12/12/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. The dwelling coverage per the declaration page is xxxxxx. Required coverage is xxxxxx. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received corrected hOI confirming sufficient coverage. - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>Months Reserves exceed minimum required - 131.47 months reserves and 2 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852185 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 07:40 | 2025-12-09 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal confirming no safety issues pg 10 of stip. - Due Diligence Vendor-12/09/2025 <br> Open-Appraiser to address if the xxxxxx from xxxxxx and other items noted in the typical xxxxxx photo (PDF 35) are a safety issue. Additional findings may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received updated appraisal confirming no safety issues pg 10 of stip. - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>Months Reserves exceed minimum required - 131.47 months reserves and 2 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852185 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 14:32 | 2025-12-04 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received 1007 that note actual and market rent. - Due Diligence Vendor-12/04/2025 <br> Open-Per the appraisal the subject property is leased, missing the lease agreements to accurately determine the DSCR. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received 1007 that note actual and market rent. - Due Diligence Vendor-12/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>Months Reserves exceed minimum required - 131.47 months reserves and 2 months required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852237 | xxxxxx D B A | Closed | xxxxxx | 2025-11-12 11:19 | 2025-12-12 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Updated Note provided. 12 month prepay at 3%. - Due Diligence Vendor-12/12/2025 <br> Open-1. Tape reflects 60 months PPP. However Note reflects a 3% prepayments penalty prior to the first anniversary and the second sentence appears to be incomplete. Need clarification on the prepay terms. What is the 3% prepayment on? - Due Diligence Vendor-12/01/2025 |  | Resolved-Updated Note provided. 12 month prepay at 3%. - Due Diligence Vendor-12/12/2025 | Months Reserves exceed minimum required - 33.64 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 720; minimum score 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852237 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 10:26 | 2025-12-01 14:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation the 2 mortgages are on the primary and reporting on credit. - Due Diligence Vendor-12/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing 12 months housing history for primary residence. Missing final 1003 to determine how long at primary address and the mortgage tied to properties. per credit report there are 2 mortgages reported . xxxxxx xxxxxxxx and xxxxxx heloc. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received confirmation the 2 mortgages are on the primary and reporting on credit. - Due Diligence Vendor-12/01/2025 | Months Reserves exceed minimum required - 33.64 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 720; minimum score 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852237 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 10:19 | 2025-11-21 11:43 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming xxxxxx items present. - Due Diligence Vendor-11/21/2025 <br> Open-Appraisal has issues- there is xxxxxx on side of the building pdf 201 and xxxxxx and there appears to be a xxxxxx see pic pdf 205. Appraiser to address and for safety issues. - Due Diligence Vendor-11/13/2025 |  | Resolved-Received revised appraisal confirming xxxxxx items present. - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 33.64 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 720; minimum score 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852237 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 10:12 | 2025-11-21 11:39 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Deed - Due Diligence Vendor-11/21/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing Grant Deed from xxxxxx to xxxxxx - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Deed - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 33.64 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 720; minimum score 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852237 | xxxxxx D B A | Closed | xxxxxx | 2025-11-13 09:10 | 2025-11-21 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Business purpose application provided. - Due Diligence Vendor-11/21/2025 <br> Counter-Please provide Business application(s) in lieu of 1003 - Due Diligence Vendor-11/17/2025 <br> Open-Missing final 1003 and initial 1003 - Due Diligence Vendor-11/13/2025 |  | Resolved-Business purpose application provided. - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 33.64 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 720; minimum score 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852237 | xxxxxx D B A | Closed | xxxxxx | 2025-11-17 15:34 | 2025-11-18 16:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx on a loan vested in an entity. - Due Diligence Vendor-11/18/2025 <br> Open-Finding added for PPP Discrepancy for term and threshold. xxxxxx Note closed in LLC. If terms of PPP on Note changes additional finding may apply.<br>Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-11/17/2025 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx on a loan vested in an entity. - Due Diligence Vendor-11/18/2025 | Months Reserves exceed minimum required - 33.64 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 720; minimum score 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852274 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 18:31 | 2026-01-12 12:44 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Exception for reserve shortage of $1,187.18. - Due Diligence Vendor-01/12/2026 <br> Counter-Received Conversion resulting in insufficient funds for reserves in the amount of $1,187.18. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Counter-Review did not receive LOE and currency conversion of balance. Please upload. - Due Diligence Vendor-12/17/2025 <br> Counter-Received confirmation xxxxxx assets are xxxxxx Dollars. Received conversion rates only. Please provide full conversion of balance considered. - Due Diligence Vendor-12/16/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Asset held in xxxxxx are identified as xxxxxx with branch location and borrower mailing address in xxxxxx. Missing the verification the assets are in xxxxxx dollars. - Due Diligence Vendor-11/03/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for reserve shortage of $1,187.18. - Due Diligence Vendor-01/12/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.051, guideline minimum is 0.<br>LTV is less than guideline maximum - Calculated LTV is 70%, maximum allowed is 75%. | 70% LTV<br> 1.051 DSCR | xxxxxx - Curr Exch.pdf<br> xxxxxx - Curr Exch.pdf<br> exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852274 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 18:18 | 2025-12-12 09:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Assignment of Leases and Rents Rider provided. - Due Diligence Vendor-12/12/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the 1-4 Family Rider to the Mortgage. - Due Diligence Vendor-11/03/2025 |  | Resolved-Assignment of Leases and Rents Rider provided. - Due Diligence Vendor-12/12/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.051, guideline minimum is 0.<br>LTV is less than guideline maximum - Calculated LTV is 70%, maximum allowed is 75%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852336 | xxxxxx C A | Closed | xxxxxx | 2025-11-13 10:28 | 2025-12-31 14:19 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-master policy provided with xxxxxx fidelity coverage. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/31/2025 <br> Open-Fidelity Coverage not met. Fidelity coverage of xxxxxx is required, the policy does not indicate a coverage amount. - Due Diligence Vendor-12/05/2025 |  | Resolved-master policy provided with xxxxxx fidelity coverage. - Due Diligence Vendor-12/31/2025 | Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND THE BORROWER HAS 58 MONTHS PITIA<br>LTV is less than guideline maximum - Required is 75 Borrower has 50.17 MAX LTV IS 75% AND THE BORROWER IS AT 50% LTV |  | 852336 Master policy-Fidelity coverage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852422 | xxxxxx D A | Closed | xxxxxx | 2025-12-16 22:34 | 2025-12-29 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-12/29/2025 <br> Open-Missing Evidence of Property Tax Missing calculation to support amount on settlement statement. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 90.66 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852422 | xxxxxx D A | Closed | xxxxxx | 2025-12-18 08:33 | 2025-12-29 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI billing payment for premium matching settlement statement. - Due Diligence Vendor-12/29/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing HOI to support the monthly escrowed premium appearing on the settlement statement. The policy in file has a lower annual premium amount. Audit used the amount on settlement for initial review. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received HOI billing payment for premium matching settlement statement. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 90.66 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852509 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 14:07 | 2026-01-07 15:14 | Waived | 2 - Non-Material D B | Credit | Eligibility | Missing Third Party Market Rent Source | Waived-Client waiver applied to non-material finding with compensating factors. missing third party market rent source. - Due Diligence Vendor-01/07/2026 <br> Open-If short term rent is utilized, the 1007 must include the third-party data source and calculation used to determine short term rent. - Due Diligence Vendor-11/24/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. missing third party market rent source. - Due Diligence Vendor-01/07/2026 | Months Reserves exceed minimum required - 2 months reserves required; 163.12 months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 812 Required is 680 Borrower has 812 | 812 fico<br> 65% LTV | exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852509 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 13:47 | 2025-12-18 11:34 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client provided a waiver for cash out > max of $500,000 , applied to non material finding with comp factors. - Due Diligence Vendor-12/18/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Per guidelines LTV ratio greater than or equal to 65%, the max cash-out is $500,000. Cash Out as per Final CD dated xxxxxx (page 492) is xxxxxx and loan closed at 65% LTV.. - Due Diligence Vendor-11/24/2025 |  | Waived-Client provided a waiver for cash out > max of $500,000 , applied to non material finding with comp factors. - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - 2 months reserves required; 163.12 months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 812 Required is 680 Borrower has 812 | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Credit Score 30+ points > minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852509 | xxxxxx D B A | Closed | xxxxxx | 2025-11-20 18:38 | 2025-12-05 09:55 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-12/05/2025 <br> Open-Unsatisfactory Chain of Title provided. Chain of title is missing from the title policy. - Due Diligence Vendor-11/20/2025 |  | Resolved-Received chain of title. - Due Diligence Vendor-12/05/2025 | Months Reserves exceed minimum required - 2 months reserves required; 163.12 months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 812 Required is 680 Borrower has 812 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852509 | xxxxxx D B A | Closed | xxxxxx | 2025-11-20 13:23 | 2025-12-05 09:52 | 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-12/05/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal in the Mortgage - Due Diligence Vendor-11/20/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/05/2025 | Months Reserves exceed minimum required - 2 months reserves required; 163.12 months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 812 Required is 680 Borrower has 812 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852739 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 13:43 | 2025-12-29 15:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow investor concentration exceeding 60% at 81%. Non-material waiver applied with comp factors - Due Diligence Vendor-12/29/2025 <br> Open-Lender exception on file for investor concentration exceeding 60% at 81%. - Due Diligence Vendor-12/29/2025 |  | Waived-Client exception granted to allow investor concentration exceeding 60% at 81%. Non-material waiver applied with comp factors - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 764 Required is 640 Borrower has 764<br>Months Reserves exceed minimum required - 15.92 Months Reserves exceed 0 minimum required | Credit Score 30+ points > minimum required<br> Housing (Mortgage) History 0x30 for 24 months on all mortgages<br> Reserves Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852739 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 13:34 | 2025-12-29 15:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted to allow loan amount < 100k. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/29/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 Lender exception on file, for loan amount being < 100k - Due Diligence Vendor-12/29/2025 |  | Waived-Client exception granted to allow loan amount < 100k. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 764 Required is 640 Borrower has 764<br>Months Reserves exceed minimum required - 15.92 Months Reserves exceed 0 minimum required | Credit Score 30+ points > minimum required<br> Housing (Mortgage) History 0x30 for 24 months on all mortgages<br> Reserves Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852743 | xxxxxx D A | Closed | xxxxxx | 2025-12-13 10:06 | 2025-12-22 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM clearance documentation. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached for - SAM clearance for individuals possible match noted on report. - Buyer-12/19/2025 <br> Counter-Received fraud report. Provide SAM clearance for individuals possible match noted on report. - Due Diligence Vendor-12/17/2025 <br> Open-Missing Third Party Fraud Report Third Party Fraud Report not Provided. Additionally, findings may apply upon receipt. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received SAM clearance documentation. - Due Diligence Vendor-12/22/2025 | Months Reserves exceed minimum required - 142.19 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 706; guidelines require 680. Required is 680 Borrower has 706<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 70% Required is 70 Borrower has 65 |  | xxxxxx - SAM search results- No match.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852893 | xxxxxx C A | Closed | xxxxxx | 2025-12-31 10:42 | 2025-12-31 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed the loan does have a prepay. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-Tape shows no prepay penalty however note addendum indicates there is a PPP. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-The lender confirmed the loan does have a prepay. - Due Diligence Vendor-12/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 731 Required is 680 Borrower has 731<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.01 Required is 0.75 Borrower has 1.019 |  | xxxxxx LOAN TAPE.csv | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852967 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 10:31 | 2025-12-15 10:51 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title w/items removed. - Due Diligence Vendor-12/15/2025 <br> Open-Property Title Issue 1. Missing evidence that Title Schedule B, Part 1 #8 (PDF 523) was satisfied. Additional findings may apply.<br> 2. Missing evidence that Title Schedule B, Part 1 #9 (PDF 523) was satisfied. #9 requires satisfaction of judgment against non-borrowing title holder. Additional findings may apply. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Final Title w/items removed. - Due Diligence Vendor-12/15/2025 | LTV is less than guideline maximum - Required is 65 Borrower has 49.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852967 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 10:31 | 2025-12-15 10:51 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Final Title with correct vesting. - Due Diligence Vendor-12/15/2025 <br> Open-Vested Owner Signature Requirement Not met. Title vesting does not match mortgage. Title Schedule B, Part 1 #6 (PDF 523) notes a new mortgage from borrower only and joined by spouse if married. However, mortgage (PDF 28) is in name of borrower , a married woman, and a 3rd party, a single man. Additional findings may apply. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Final Title with correct vesting. - Due Diligence Vendor-12/15/2025 | LTV is less than guideline maximum - Required is 65 Borrower has 49.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852967 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 10:46 | 2025-12-11 15:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow investor concentration at 80.8%, Non-material waiver applied with comp factors. nonmaterial due to LTV of 49.56%, 784 Fico and 39.89 months reserves. - Due Diligence Vendor-12/11/2025 <br> Open-Exception for investor concentration. Investor concentration is 80.8% (160 of 198). exception approval in loan file. - Due Diligence Vendor-12/10/2025 |  | Waived-Client exception granted to allow investor concentration at 80.8%, Non-material waiver applied with comp factors. - Due Diligence Vendor-12/11/2025 | LTV is less than guideline maximum - Required is 65 Borrower has 49.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required,<br> Reserves exceed requirement by 10 months or more. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 853115 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853157 | xxxxxx D A | Closed | xxxxxx | 2025-12-18 13:56 | 2025-12-30 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Front and back of EAD card provided. - Due Diligence Vendor-12/30/2025 <br> Counter-Received rebuttal. Back of EAD card provide identifiers and security codes. Both front and back required. - Due Diligence Vendor-12/23/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's EAD card - Due Diligence Vendor-12/18/2025 |  | Resolved-Front and back of EAD card provided. - Due Diligence Vendor-12/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 716<br>DSCR % greater than 1.20 - DSCR is 1.312. 1.00 was required.<br>Credit history exceeds minimum required - Qualifying FICO score 716; guidelines require 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853262 | xxxxxx C A | Closed | xxxxxx | 2025-11-21 11:59 | 2025-12-01 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review audited Reserves of 6.15 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/04/2025 <br> Open-Audited Reserves of 4.76 month(s) are less than Guideline Required Reserves of 6 month(s)...corrected - Due Diligence Vendor-12/01/2025 |  | Resolved-Upon further review audited Reserves of 6.15 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/04/2025 | On time mortgage history exceeds guideline requirement - 0x30x82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 805 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853282 | xxxxxx C A | Closed | xxxxxx | 2026-01-15 15:42 | 2026-02-14 16:00 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Wire Receipt. - Due Diligence Vendor-02/14/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Counter-Wire from xxxxxx in the amount of $25,160.99 provided. Please provide the remaining closing costs from the xxxxxx foreign account. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of closing funds wired from the xxxxxx to closing agent. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Received Wire Receipt. - Due Diligence Vendor-02/14/2026 | Long term residence - 2+ years at current residence<br>Months Reserves exceed minimum required - 7.25 reserves and 6 required. |  | Wire Confirmation - xxxxxx.pdf<br> Wire deposit confirmation.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853395 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 09:13 | 2026-01-22 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller cd. - Due Diligence Vendor-01/22/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received seller cd. - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 701; guidelines require 680. Required is 640 Borrower has 701<br>LTV is less than guideline maximum - LTV 65%. Allowed LTV 75% Required is 80 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853395 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 08:56 | 2026-01-22 12:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received correct HOI policy. - Due Diligence Vendor-01/22/2026 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received correct HOI policy. - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 701; guidelines require 680. Required is 640 Borrower has 701<br>LTV is less than guideline maximum - LTV 65%. Allowed LTV 75% Required is 80 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853395 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 09:31 | 2026-01-20 16:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding with compensating factors. Prepay in xxxxxx on a loan vested in an LLC. - Due Diligence Vendor-01/20/2026 <br> Open-Prepayment Penalty is not allowed. Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-01/16/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Prepay in xxxxxx on a loan vested in an LLC. - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 701; guidelines require 680. Required is 640 Borrower has 701<br>LTV is less than guideline maximum - LTV 65%. Allowed LTV 75% Required is 80 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853400 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 11:59 | 2026-01-13 17:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-1-4 Family rider received. - Due Diligence Vendor-01/13/2026 <br> Counter-No document provided. Please provide chain or confirmation rider recorded with DOT. - Due Diligence Vendor-01/13/2026 <br> Counter-Received Rider. Please provide chain or confirmation rider recorded with DOT. - Due Diligence Vendor-01/05/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1-4 Family Rider included is missing the first page. Please provide complete 1-4 family rider attached to mortgage. - Due Diligence Vendor-12/23/2025 |  | Resolved-1-4 Family rider received. - Due Diligence Vendor-01/13/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Months Reserves exceed minimum required - Required is 2 months, borrower has 28.25 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853461 | xxxxxx C B A | Closed | xxxxxx | 2026-01-07 12:41 | 2026-01-07 16:37 | 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-01/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Exception for no primary housing, living rent free. Approval in loan file. <br> - Due Diligence Vendor-01/07/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-01/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 682<br>Months Reserves exceed minimum required - Min 2, actual 10.85 | 1. Experienced investor owns and manages 2 or more properties for 12 months<br> 2. Qualifying FICO score 682; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 853505 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853524 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853530 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 08:20 | 2026-01-21 11:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received prepay rider. - Due Diligence Vendor-01/21/2026 <br> Counter-Received Prepayment Penalty Fee Rider. Please provide chain or confirmation Rider recorded with DOT. - Due Diligence Vendor-01/05/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Prepayment Penalty Fee Rider is missing. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received prepay rider. - Due Diligence Vendor-01/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.351 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853530 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 08:17 | 2026-01-21 11:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received executed Prepay addendum to Note. - Due Diligence Vendor-01/21/2026 <br> Counter-Received Prepayment Addendum to Note. Please provide chain or confirmation addendum recorded with Note. - Due Diligence Vendor-01/05/2026 <br> Open-There are Issues Present on the Note that must be addressed. -----Missing Prepayment addendum. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received executed Prepay addendum to Note. - Due Diligence Vendor-01/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.351 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853692 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853704 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 12:55 | 2025-12-31 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Received email documenting xxxxxx requirements. Confirmed Mortgage did reflect notary signature. - Due Diligence Vendor-12/31/2025 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Missing required witness signature(s) - Due Diligence Vendor-12/19/2025 |  | Resolved-Received email documenting xxxxxx requirements. Confirmed Mortgage did reflect notary signature. - Due Diligence Vendor-12/31/2025 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 40 months<br>Long term residence - Long Term Residence = 10+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853719 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 19:01 | 2026-04-01 11:33 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Short Form Title w/sufficient coverage. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/30/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Please provide evidence of lender's coverage equal to the Note amount xxxxxx. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Short Form Title w/sufficient coverage. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 10.06 Required is 50 Borrower has 10.06<br>LTV is less than guideline maximum - Max LTV is 75 Borrower has 64.92 Required is 75 Borrower has 64.92<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 747 Required is 620 Borrower has 747 |  | xxxxxx Final Title Policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853846 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853847 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 07:10 | 2026-01-09 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-01/09/2026 <br> Counter-Received borrower estimated closing statement. Missing final settlement statement/Closing Disclosure. - Due Diligence Vendor-12/31/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. File only contains a borrower estimated closing statement. Provide final settlement statement/Closing Disclosure. - Due Diligence Vendor-12/24/2025 |  | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-01/09/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 702<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 73.48 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853850 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853868 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 08:59 | 2026-01-09 12:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Document Uploaded. Client waiver applied to non-material finding. Exception to allow a prepay below 3%. Exception granted for guideline variance. Prepayment penalty meets state limits. - Due Diligence Vendor-01/09/2026 <br> Open-Prepayment Penalty is not allowed. Guidelines state prepayment penalty for fixed percentage of no less than 3% is required. The fixed prepayment penalty charge is 2.950%, not meeting guideline requirements. - Due Diligence Vendor-01/08/2026 |  | Waived-Document Uploaded. Client waiver applied to non-material finding. Exception to allow a prepay below 3%. Exception granted for guideline variance. Prepayment penalty meets state limits. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 21.96 months reserves; 2 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |  | exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853868 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 10:24 | 2026-01-09 12:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, mortgage contains assignment of rent Rider. - Due Diligence Vendor-01/09/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Subject is an investment property, missing the 1-4 family rider to the mortgage. - Due Diligence Vendor-01/08/2026 |  | Resolved-Upon further review, mortgage contains assignment of rent Rider. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 21.96 months reserves; 2 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853881 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 08:04 | 2026-01-07 11:57 | 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-01/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Counter-Received legal description from Title. Provide complete security instrument with legal description within chain. - Due Diligence Vendor-12/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-12/23/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/07/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 44.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757 |  | 1031 xxxxxx Legal Description.pdf<br> 1031 xxxxxx Legal Description (1).pdf<br> XDocActionDownloadDoc (4).pdf<br> XDocActionDownloadDoc (2).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853996 | xxxxxx D A | Closed | xxxxxx | 2025-12-08 07:35 | 2025-12-18 12:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title reflecting Title Coverage Amount of xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-12/09/2025 |  | Resolved-Received updated Title reflecting Title Coverage Amount of xxxxxx - Due Diligence Vendor-12/18/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853996 | xxxxxx D A | Closed | xxxxxx | 2025-12-08 07:50 | 2025-12-10 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review a condo questionnaire is not required on a xxxxxx unit condo. - Due Diligence Vendor-12/10/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire Document is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-12/09/2025 |  | Resolved-After further review a condo questionnaire is not required on a xxxxxx unit condo. - Due Diligence Vendor-12/10/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853996 | xxxxxx D A | Closed | xxxxxx | 2025-12-08 07:58 | 2025-12-10 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-After further review, the condo master policy was provided. - Due Diligence Vendor-12/10/2025 <br> Open-Missing Condo Master Insurance Policy Condo Master Insurance Policy is Missing - Due Diligence Vendor-12/09/2025 |  | Resolved-After further review, the condo master policy was provided. - Due Diligence Vendor-12/10/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853996 | xxxxxx D A | Closed | xxxxxx | 2025-12-09 18:16 | 2025-12-10 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Condo rider not required. - Due Diligence Vendor-12/10/2025 <br> Open-Missing condo rider - Due Diligence Vendor-12/09/2025 |  | Resolved-Condo rider not required. - Due Diligence Vendor-12/10/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854096 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 13:17 | 2026-01-15 09:41 | 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-01/15/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/14/2026 <br> Counter-Received Exhibit A. Please provide chain of documents to confirmed Exhibit A has been recorded with Deed of Trust. - Due Diligence Vendor-01/12/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide Exhibit A; legal description, to Mortgage document. - Due Diligence Vendor-01/09/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/15/2026 | Months Reserves exceed minimum required - Guidelines require 2 months reserves. The borrower has 28.05 months reserves.<br>Long term residence - The borrower has resided in the primary residence for 15 years. |  | RECORDED DOT w legal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854129 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 12:09 | 2026-01-29 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-01/29/2026 <br> Counter-Received guaranty agreement executed as xxxxxx. Provide personal guaranty agreement executed by borrower as individual only. - Due Diligence Vendor-01/15/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty Agreement is missing from file. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-01/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 Required is 660 Borrower has 706<br>LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854151 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 12:01 | 2026-04-28 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received 1004d - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. uploaded 1004D - Seller-12/23/2025 <br> Open-Primary Value Appraisal is Expired The appraisal report is dated 128 days from the note date. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. uploaded 1004D - Seller-12/23/2025<br>| Resolved-Received 1004d - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - Borrowers have 69 months reserves. The guidelines require 6 months reserves. |  | xxxxxx 1004D.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854151 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 12:01 | 2026-04-28 15:44 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated. Received Desk Review supporting the appraised value. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. uploaded CDA revision - Seller-12/12/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide a desk review that is based on the appraisal report dated xxxxxx. The desk review in the file reflects that the appraisal under review is dated xxxxxx. Additional conditions may apply. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. uploaded CDA revision - Seller-12/12/2025<br>| Resolved-Primary Property Value is substantiated. Received Desk Review supporting the appraised value. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - Borrowers have 69 months reserves. The guidelines require 6 months reserves. |  | xxxxxx CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854151 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 12:01 | 2026-04-28 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see the upl doc - Seller-12/24/2025 <br> Open-Property Issues are identified for the property Provide evidence to support that all the xxxxxx. Per the appraisal report, xxxxxx seepage. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see the upl doc - Seller-12/24/2025<br>| Resolved-No Property Issues identified for the property. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - Borrowers have 69 months reserves. The guidelines require 6 months reserves. |  | xxxxxx xxxxxx Amended Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854151 | xxxxxx D A C | Closed | xxxxxx | 2025-12-29 11:22 | 2026-04-28 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | 1004D is expired or dated after Note date | Resolved--File contains an appraisal supplement from appraiser recertifying value that was prior to closing and a 1004D obtained post-closing that also recertifies value. - Due Diligence Vendor-01/06/2026 <br> Open-\*\*\* new\*\*\* 1004D is dated after Note date. - Due Diligence Vendor-12/29/2025 |  | Resolved--File contains an appraisal supplement from appraiser recertifying value that was prior to closing and a 1004D obtained post-closing that also recertifies value. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - Borrowers have 69 months reserves. The guidelines require 6 months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854151 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 12:35 | 2025-12-09 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM.gov - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Uploaded LDP showing all alerts cleared & sam.gov searches for all showing no results. Please clear - Seller-12/06/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence to clear the three EPLS hits and "other" custom hit for the broker AND EPLS hit for borrower . The SAM.gov printouts provided do not indicate any searched names. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Uploaded LDP showing all alerts cleared & sam.gov searches for all showing no results. Please clear - Seller-12/06/2025 | Resolved-Received SAM.gov - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - Borrowers have 69 months reserves. The guidelines require 6 months reserves. |  | xxxxxx LDP.pdf<br> xxxxxx search xxxxxx.pdf<br> xxxxxx search xxxxxx.pdf<br> xxxxxx search xxxxxx.pdf<br> xxxxxx search xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854308 | xxxxxx C A | Closed | xxxxxx | 2026-01-02 11:37 | 2026-01-07 13:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/07/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description on mortgage. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 808 Required is 660 Borrower has 808<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.41 Required is 0.75 Borrower has 1.41 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854358 | xxxxxx D A | Closed | xxxxxx | 2025-09-09 08:07 | 2025-11-03 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Please see signed Business purpose affidavit - Seller-10/31/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please see signed Business purpose affidavit - Seller-10/31/2025<br>| Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/03/2025 | LTV is less than guideline maximum - LTV 60% LTV. Allowed 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 769; guidelines require 700. |  | xxxxxx PURPOSE AFFIDAVIT SIGNED.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854359 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 16:22 | 2025-11-07 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received signed Business purpose Cert - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. E-signed affidavit uploaded for review. - Seller-11/05/2025 <br> Counter-Pending receipt of the e-sign confirmation. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Attached is the requested Business Use affidavit. This has been sent to the borrower for electronic signature. If desired, we will forward the e-signed version when available. Please note there is no drop-down value available under "Document Type" for this document. - Seller-11/03/2025 <br> Open-A Business Purpose Affidavit/Disclosure is required per guides. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. E-signed affidavit uploaded for review. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. Attached is the requested Business Use affidavit. This has been sent to the borrower for electronic signature. If desired, we will forward the e-signed version when available. Please note there is no drop-down value available under "Document Type" for this document. - Seller-11/03/2025 | Resolved-Received signed Business purpose Cert - Due Diligence Vendor-11/07/2025 | LTV is less than guideline maximum - 57.25% LTV vs. max LTV 70%<br>Qualifying FICO score is at least 20 points above minimum for program - 792 vs. min FICO 660 |  | xxxxxx Business Use.pdf<br> xxxxxx Business Use - Signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854433 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 18:29 | 2025-12-16 12:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/16/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage amount is not listed on title policy - Due Diligence Vendor-12/09/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/16/2025 | Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 33.39 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1 Required is 0.75 Borrower has 1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 Required is 660 Borrower has 708 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854433 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 19:17 | 2025-12-12 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-The guidelines do not require a cash out letter. - Due Diligence Vendor-12/12/2025 <br> Counter-No document provided. Must meet guideline for cash out on investments. - Due Diligence Vendor-12/12/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-12/10/2025 |  | Resolved-The guidelines do not require a cash out letter. - Due Diligence Vendor-12/12/2025 | Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 33.39 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1 Required is 0.75 Borrower has 1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 Required is 660 Borrower has 708 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854436 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 15:42 | 2026-01-09 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-01/09/2026 <br> Counter-Received Participant list only. Provide complete Fraud report to confirm dates and for subject loan file. Finding remains. - Due Diligence Vendor-01/06/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Gift donor to be added to exclusionary list. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-01/09/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 716 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854436 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 17:47 | 2026-01-06 05:47 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Proof of Employer Identification Number(EIN). - Due Diligence Vendor-01/06/2026 <br> Counter-Business entity documents provided, however we are missing the EIN. - Due Diligence Vendor-12/15/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. EIN application provided. Provided EIN documentation reflecting EIN number - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Proof of Employer Identification Number(EIN). - Due Diligence Vendor-01/06/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 716 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854562 | xxxxxx D A | Closed | xxxxxx | 2025-12-24 09:24 | 2025-12-29 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-12/29/2025 <br> Open-Missing Business Purpose Affidavit Disclosure. File contain occupancy cert, guideline require business purpose affidavit disclosure. - Due Diligence Vendor-12/24/2025 |  | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-12/29/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.055 Required is 0 Borrower has 1.055<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 Required is 660 Borrower has 688 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854602 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 13:44 | 2025-12-29 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received attestation from the xxxxxx of Post Funding. - Due Diligence Vendor-12/29/2025 <br> Open-Per the appraisal, an appraisal management company was not used, missing the lenders certification the appraisal independence requirements were met. - Due Diligence Vendor-12/22/2025 |  | Resolved-Received attestation from the xxxxxx of Post Funding. - Due Diligence Vendor-12/29/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 53.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854746 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 13:55 | 2026-01-12 15:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, the effective date is xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx . Loan disbursed on xxxxxx. - Due Diligence Vendor-12/10/2025 |  | Resolved-Upon further review, the effective date is xxxxxx - Due Diligence Vendor-12/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 754; guidelines require 700. Required is 700 Borrower has 754<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75% Required is 75 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854746 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 13:55 | 2026-01-12 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received confirmation all units covered until policy provided. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/12/2026 <br> Counter-Received duplicate HOI. Provide confirmation all units are included in single policy. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/30/2025 <br> Counter-Please provide declaration page for Unit xxxxxx and xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Please provide declaration page for Unit xxxxxx and xxxxxx. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received confirmation all units covered until policy provided. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 754; guidelines require 700. Required is 700 Borrower has 754<br>LTV is less than guideline maximum - LTV 65%. LTV Allowed 75% Required is 75 Borrower has 65 |  | xxxxxx invoice xxxxxx (2).pdf<br> xxxxxx cert xxxxxx (2).pdf<br> xxxxxx cert xxxxxx (5).pdf<br> xxxxxx invoice xxxxxx (5).pdf<br> xxxxxx Policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854749 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854905 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 22:41 | 2026-01-21 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets confirming sufficient reserves. - Due Diligence Vendor-01/21/2026 <br> Open-Audited Reserves of 11.32 month(s) are less than Guideline Required Reserves of 12 month(s) Provide additional statement or a one month bank statement to support 12 months reserves requirement as escrows are waived. Per guides 1031 exchange funds cannot be used for reserves. - Due Diligence Vendor-01/06/2026 |  | Resolved-Received additional assets confirming sufficient reserves. - Due Diligence Vendor-01/21/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 53.33 Required is 80 Borrower has 53.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 758 Required is 720 Borrower has 758 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854905 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 22:36 | 2026-01-21 11:46 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received 1031 exchange agreement. - Due Diligence Vendor-01/21/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Earnest money verified and is from 1031 exchange. File contain 1031 exchange instruction. Missing required 1031 exchange agreement. - Due Diligence Vendor-01/06/2026 |  | Resolved-Received 1031 exchange agreement. - Due Diligence Vendor-01/21/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 53.33 Required is 80 Borrower has 53.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 758 Required is 720 Borrower has 758 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854920 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854967 | xxxxxx D A | Closed | xxxxxx | 2025-12-16 07:59 | 2025-12-24 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review, the loan file contained all required business entity documentation. - Due Diligence Vendor-12/24/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Guaranty Agreement Missing. - Due Diligence Vendor-12/16/2025 |  | Resolved-Upon further review, the loan file contained all required business entity documentation. - Due Diligence Vendor-12/24/2025 | Months Reserves exceed minimum required - 9.44 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 680 Borrower has 778 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854988 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854994 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855027 | xxxxxx B A | Closed | xxxxxx | 2026-04-30 11:02 | 2026-05-01 14:28 | Resolved | 1 - Information B A | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Resolved-File contain 2 full appraisals. Loan qualified with sales price as lowest value. - Due Diligence Vendor-04/30/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-04/30/2026 |  | Resolved-File contain 2 full appraisals. Loan qualified with sales price as lowest value. - Due Diligence Vendor-04/30/2026 | Months Reserves exceed minimum required - Required reserves 6 mths. Borrower has 79.73 mths in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 745 Required is 720 Borrower has 745 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855027 | xxxxxx B A | Closed | xxxxxx | 2026-04-29 11:30 | 2026-04-29 11:30 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxxS.A. 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/29/2026 <br> Open-Per xxxxxxS.A. 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/29/2026 |  | Waived-Per xxxxxxS.A. 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/29/2026 | Months Reserves exceed minimum required - Required reserves 6 mths. Borrower has 79.73 mths in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 745 Required is 720 Borrower has 745 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 855032 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855054 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 13:01 | 2026-01-02 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-The non-borrowing title holder does not need to be included in the searches. - Due Diligence Vendor-01/02/2026 <br> Counter-No document provided. Missing OFAC check for non-borrowing title holder noted on title. Finding remains. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Challenge this condition - we have never obtain an OFAC check on a non-borrowing spouse as it is not part of our guidelines. Please check with management and provide verification on our guidelines that state we need this. xxxxxx - Seller-12/30/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing OFAC check for non-borrowing title holder noted on title - Due Diligence Vendor-12/29/2025 | Ready for Review-Challenge this condition - we have never obtain an OFAC check on a non-borrowing spouse as it is not part of our guidelines. Please check with management and provide verification on our guidelines that state we need this. xxxxxx - Seller-12/30/2025 | Resolved-The non-borrowing title holder does not need to be included in the searches. - Due Diligence Vendor-01/02/2026 | Months Reserves exceed minimum required - 300+ months available, only two months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 809 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855054 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 13:00 | 2026-01-02 15:34 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Fraud alert is enabled however, three scores were provided. Nothing further is needed. - Due Diligence Vendor-01/02/2026 <br> Counter-Loans for borrowers with credit data frozen at two or more of the credit repositories will not be eligible. Borrowers need to arrange temporary thaws with the credit bureaus for the lender to pull reports during the application process. Finding remains. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Challenge this condition - the bureau provided 3 scores - nothing on the report indicates that there is any fraud with any of the other repositories. we need to get this one resolved and or waived. xxxxxx<br> - Seller-12/30/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Missing credit report with fraud alerts enabled. Credit report notes fraud alerts system access not authorized. Additional findings may apply. - Due Diligence Vendor-12/29/2025 | Ready for Review-Challenge this condition - the bureau provided 3 scores - nothing on the report indicates that there is any fraud with any of the other repositories. we need to get this one resolved and or waived. xxxxxx<br> - Seller-12/30/2025 | Resolved-Fraud alert is enabled however, three scores were provided. Nothing further is needed. - Due Diligence Vendor-01/02/2026 | Months Reserves exceed minimum required - 300+ months available, only two months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 809 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855054 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 13:09 | 2025-12-31 16:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received complete statement. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements xxxxxx acct ending 8101 dated 10/15/25 missing pages 3-4. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received complete statement. - Due Diligence Vendor-12/31/2025 | Months Reserves exceed minimum required - 300+ months available, only two months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 809 |  | xxxxxx-Checking-xxxxxx-Oct stmt.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855082 | xxxxxx C A | Closed | xxxxxx | 2026-01-13 13:07 | 2026-01-16 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD - Due Diligence Vendor-01/16/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing - Due Diligence Vendor-01/13/2026 |  | Resolved-Received final seller CD - Due Diligence Vendor-01/16/2026 | LTV is less than guideline maximum - LTV 75%. Allowed LTV 80% Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 774; guidelines require 700. Required is 700 Borrower has 774 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855115 | xxxxxx C B A | Closed | xxxxxx | 2025-12-23 11:00 | 2026-01-23 11:56 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx on a loan vested in an entity. - Due Diligence Vendor-01/23/2026 <br> Open-For properties recently listed for sale, a minimum 3 year Prepayment Penalty is required. No PPP on this loan - Due Diligence Vendor-12/23/2025 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx on a loan vested in an entity. - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 12 months assets exceed min 3 per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.027 Required is 0.75 Borrower has 1.027 | Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855115 | xxxxxx C B A | Closed | xxxxxx | 2025-12-23 10:56 | 2026-01-23 11:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-The request for an exception for FICO score is granted. Non-Material 689 FICO < 700 minimum required. - Due Diligence Vendor-01/23/2026 <br> Open-Transaction is a Cash-out due to paying off a blanket mortgage. Minimum FICO required is 700 - Due Diligence Vendor-12/23/2025 |  | Waived-The request for an exception for FICO score is granted. Non-Material 689 FICO < 700 minimum required. - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 12 months assets exceed min 3 per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.027 Required is 0.75 Borrower has 1.027 | Compensating Factor 1 - Credit Score 10 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855115 | xxxxxx C B A | Closed | xxxxxx | 2025-12-23 08:07 | 2026-01-23 11:52 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-01/23/2026 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 12 months assets exceed min 3 per guides<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.027 Required is 0.75 Borrower has 1.027 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855119 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855124 | xxxxxx D A | Closed | xxxxxx | 2026-01-21 09:07 | 2026-01-27 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Updated Title - Due Diligence Vendor-01/27/2026 <br> Open-Title Document is Incomplete. Title commitment is not legible. Subject to additional conditions - Due Diligence Vendor-01/21/2026 |  | Resolved-Received Updated Title - Due Diligence Vendor-01/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 702<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 18:51 | 2026-02-09 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Revised Exhibit B and Originator Worksheet provided. All now matches. - Due Diligence Vendor-02/09/2026 <br> Counter-Received Exhibit A and D. Received Exhibit Band following remain: (b) allocated loan amounts do not match the note amount (c) allocated loan amounts for the properties listed do not match the Originator's worksheet - Due Diligence Vendor-02/05/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Partial'. The following issues were identified. (1) The loan agreement does NOT disclose property #1 off of xxxxxx. Exhibit A is provided and shows the legal description but the property address is not referenced anywhere within the document loan agreement or any other exhibit. (2) Exhibit B has multiple issues (a) only shows 3 of the 4 properties (b) allocated loan amounts do not match the note amount (c) allocated loan amounts for the 3 properties listed do not match the Originator's worksheet (3) the release price is blank for all (needs to match the worksheet) (4) Exhibit D only lists 3 properties. (5) Additional findings may apply. - Due Diligence Vendor-12/15/2025 |  | Resolved-Revised Exhibit B and Originator Worksheet provided. All now matches. - Due Diligence Vendor-02/09/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:30 | 2026-02-09 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Email from title and release shows lien in question on xxxxxx is a modification of the original lien taken xxxxxx. - Due Diligence Vendor-02/09/2026 <br> Counter-Received LOE from originator. Title to provide accurate Schedule B 1 #8 reflecting all correct liens to be paid at closing. - Due Diligence Vendor-01/21/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The following housing issues were identified. <br> (1) VOMs provided do not align with the mortgages disclosed on title. TP# will refer to the property order as listed on title. LP# will refer to the property order as listed on the Lender's Worksheet. (TP1/P2) Title shows a lien taken on xxxxxx for xxxxxx but a satisfactory VOM and payoff were not provided. (This loan was NOT paid off on the settlement statement.) (TP3/P3) Title shows only 1 lien is attached to this property but the Credit'rs VOM shows a 2nd lien is attached. The loan # on the VOM is incomplete and Auditor cannot determine if it is cross-collateralized to a loan already documented or is a new loan. <br> (2) Per 3.1.2 All known borrower-owned properties must be disclosed on the application. Per 4.11.5 Housing payment history for the most recent 12-months is required for ALL owned & financed properties. Fraud shows several other properties owned by the guarantors that were not fully disclosed/documented. <br> (3) Additional findings may apply. - Due Diligence Vendor-12/16/2025 |  | Resolved-Email from title and release shows lien in question on xxxxxx is a modification of the original lien taken xxxxxx. - Due Diligence Vendor-02/09/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:16 | 2026-02-09 11:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Email from title and release shows lien xxxxxx was an extension of the original lien taken xxxxxx - Due Diligence Vendor-02/09/2026 <br> Counter-Received LOE from originator and final policy. Title or closing attorney to provide correct Schedule B Part 1 for #8 addressing final liens to be released. - Due Diligence Vendor-01/21/2026 <br> Open-Property Title Issue Mortgages disclosed on title do not align with the Creditors VOMs. TP# will refer to the property order as listed on title. LP# will refer to the property order as listed on the Lender's Worksheet. (TP1/LP2) Title reflects an additional lien associated taken xxxxxx for xxxxxx. This lien was NOT disclosed by the Creditor to be associated to ANY property included in the loan transaction. (TP3/LP4) Title shows a single lien associated. However, the Creditor's VOM shows an additional loan is tied to this property. (The VOM does not include the complete loan #.) (TP4/LP1) Title does not reflect the additional lien tied to the property. Per the VOMs from the creditor the loan ending 7466 which is also encumbers TP3/P3 is also attached to this property. Additional findings may apply. - Due Diligence Vendor-12/16/2025 |  | Resolved-Email from title and release shows lien xxxxxx was an extension of the original lien taken xxxxxx - Due Diligence Vendor-02/09/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:18 | 2026-02-09 11:03 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Email from title received showing the lien in question was a modification of the original lien taken xxxxxx for xxxxxx - Due Diligence Vendor-02/09/2026 <br> Counter-Received note from originator title pad on payoffs. Title to provide accurate Schedule B #8 open liens and confirmation of payoff amounts considered. - Due Diligence Vendor-01/21/2026 <br> Open-The settlement statement (SS) payoffs do not align with Title and the VOMs. TP# will refer to the property order as listed on title. LP# will refer to the property order as listed on the Lender's Worksheet. (TP4/P1) The SS shows a lien for xxxxxx was paid off but title does not show this lien is attached to any property on our transaction. (TP3/P3) The SS does not show an additional lien was paid in full for this property. Creditor's VOM disclosed an additional loan but failed to include the loan #. Auditor is unable to determine if a lien remains outstanding for this property. (TP1/P2) The SS does not show the payoff of the lien reflected on title for xxxxxx taken on xxxxxx. Additional findings may apply. - Due Diligence Vendor-12/16/2025 |  | Resolved-Email from title received showing the lien in question was a modification of the original lien taken xxxxxx for xxxxxx - Due Diligence Vendor-02/09/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:40 | 2026-02-09 11:02 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Email and release received from title. The xxxxxx loan is a modification of the original loan taken xxxxxx for xxxxxx - Due Diligence Vendor-02/09/2026 <br> Counter-Received LOE from originator. Title to provide accurate mortgage lien listings and dates for Schedule B #8. - Due Diligence Vendor-01/21/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Loan on title taken xxxxxx for xxxxxx must be documented as being purchase money are the result of a rate and term refinance as it seasoned < 6-months and is not eligible for cash-out financing. NOTE: while this lien is reflected on title it was not shown as paid in full on the settlement statement. Additional findings may apply. - Due Diligence Vendor-12/16/2025 |  | Resolved-Email and release received from title. The xxxxxx loan is a modification of the original loan taken xxxxxx for xxxxxx - Due Diligence Vendor-02/09/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:14 | 2026-02-04 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, xxxxxx verification not required. - Due Diligence Vendor-02/04/2026 <br> Counter-LP#2 - Appraiser States xxxxxx are required in all one and two-family dwellings and townhouses not more than three stories, constructed on or after July 7, 2011. Also required in existing construction where alterations, repairs and/or additions requiring a permit occur, or where one or more xxxxxx are added or created in existing dwellings, the individual dwelling unit shall be equipped with xxxxxx located as required for new dwellings. Please have the Appraiser confirm if any of the updates and ADU required permits and if performed prior to 2011, xxxxxx are required. - Due Diligence Vendor-01/28/2026 <br> Open-LP#2 Appraiser does not disclose what makes the property legal non-conforming. The appraiser has included the ADU in the market rents but all items required under 4.1.6.1 ACCESSORY DWELLING UNITS (ADU) is not met. Appraiser must confirm if zoning allows the ADU, whether permits are required, and if required whether the subject has them. Appraiser must comment on distance of Comp 5, it being xxxxxx with no location adjustment, and confirm the comp will compete for the same buyers and offers similar schools. If not detailed commentary is required to support the use of the comp which is relied upon to demonstrate that ADUs are typical for the market. Comment whether subject requires xxxxxx. Comments provided but appraiser doesn't state if they are or are not required based on the criteria laid out. <br>LP#3 Appraiser to comment that comps located outside of the subject's neighborhood and/or across major roadways are in a competing market with similar buyer behaviors and schools and what necessitated travelling such distances in an Urban Market that is built up over 75%. Comp selection and subject location do not support Urban location. Appraiser must also provide commentary to support lack of location/View adjustments for Comp 2's Rural designations. Additional findings may apply. <br>LP #4 the appraiser must provide detailed and substantial commentary to support the increase in value (comments provided are not detailed) and appraiser to comment on the subject having xxxxxx (typical for the area and which comps also have xxxxxx; if none must provide to support common). <br>Additional findings may apply. - Due Diligence Vendor-12/16/2025 |  | Resolved-Upon further review, xxxxxx verification not required. - Due Diligence Vendor-02/04/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 17:58 | 2026-02-02 16:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Exhibit A to the Note provided. - Due Diligence Vendor-02/02/2026 <br> Counter-Received security instrument. Missing Exhibit A to the Note identifying all properties included. (Other issues are consolidated under Legal document incorrect or has issues finding.) Additional findings may apply. - Due Diligence Vendor-01/14/2026 <br> Open-There are Issues Present on the Note that must be addressed. Missing Exhibit A to the Note identifying all properties included. (Other issues are consolidated under Legal document incorrect or has issues finding.) Additional findings may apply. - Due Diligence Vendor-12/15/2025 |  | Resolved-Exhibit A to the Note provided. - Due Diligence Vendor-02/02/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:40 | 2026-01-27 15:24 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved- Cash-out due to seasoning on one of the properties. - Due Diligence Vendor-01/27/2026 <br> Counter-Received LOX and HUD. Cashout letter required to document all funds being used for business purpose. - Due Diligence Vendor-01/26/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-12/16/2025 |  | Resolved- Cash-out due to seasoning on one of the properties. - Due Diligence Vendor-01/27/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 18:51 | 2026-01-21 12:25 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received fully executed borrower certificate. - Due Diligence Vendor-01/21/2026 <br> Counter-Borrowing Certificate for a Single Member, there are 4 members. Please provide the correct Borrowing Certificate. - Due Diligence Vendor-12/30/2025 <br> Open-The Business Entity Formation Document is incomplete Limited Liability Company Borrowing Certificate provided is for Single Member LLCs. Vested entity has 4 members. Additional findings may apply. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received fully executed borrower certificate. - Due Diligence Vendor-01/21/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 18:54 | 2026-01-21 12:24 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received LLC borrower certificate from all members. - Due Diligence Vendor-01/21/2026 <br> Counter-Client comments - Section 4.4 and 4.3 of the Operating Agreement gives the xxxxxx, xxxxxx the sole authority to sign on behalf of the company & this is also covered in the Entity Approval document provided by our Attorney. - Audit Response - Pending receipt of the correct Borrowing Certificate for further review, additional findings may apply. - Due Diligence Vendor-01/05/2026 <br> Counter-Client comments - Full Review - AUDIT response, no new documentation for this finding has been provided. - Due Diligence Vendor-12/31/2025 <br> Open-Per CH. 4 STANDARD NON-QM the xxxxxx Cross Collateral - DSCR product is a Standard Non-QM Product (Chapter 5 is only applicable to xxxxxx). Per 4.9.6 VESTING FOR BUSINESS PURPOSE LOANS under GUARANTOR(S) DOCUMENTATION a Guarantor must have authority to execute loan documents on behalf of the entity and execute loan documents (Business purpose loan disclosures & any state or federally required settlement statement) as well as the Note, Deed of Trust/Mortgage, and all applicable Riders. Only one guarantor has signed all legal documents while the Guaranty is the only legal document/disclosure that reflects the 3 members whose credit was also suppled. Additional findings may apply. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received LLC borrower certificate from all members. - Due Diligence Vendor-01/21/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:53 | 2026-01-14 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received rents for $1,275 for 10/16 and 9/24. ADU not considered. - Due Diligence Vendor-01/14/2026 <br> Counter-Notarized Rent Roll for LP1, LP3 and LP4 provided. Please provide LP2 @ $1275 plus the payments on the ADU as the 1007 includes market rents for the ADU. Additional findings may apply. - Due Diligence Vendor-12/31/2025 <br> Open-Missing 2-months rents received for LP1 @ $1100 as the lease is expired and is now month-to-month and for LP2 @ $1275 plus the payments on the ADU as the 1007 includes market rents for the ADU. Additional findings may apply. <br> - Due Diligence Vendor-12/16/2025 |  | Resolved-Received rents for $1,275 for 10/16 and 9/24. ADU not considered. - Due Diligence Vendor-01/14/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 18:07 | 2026-01-07 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Per the guidelines and all three that signed the personal guaranty had an application: Each Entity member providing a personal guaranty must complete a Uniform Residential Loan Application (URLA)/Business Purpose Loan Application indicating clearly that such document is being provided in the capacity of guarantor - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Per Client: The entity is the actually borrower and we only require the main borrower's application. The Operating Agreement for the LLC in Section 4.4 and 4.3 gives the xxxxxx, xxxxxx the sole authority to sign on behalf of the company and his application is in file. - Due Diligence Vendor-01/07/2026 <br> Open-Missing application for guarantor who is also married to the xxxxxx; citizenship must meet guides. - Due Diligence Vendor-12/15/2025 |  | Resolved-Per the guidelines and all three that signed the personal guaranty had an application: Each Entity member providing a personal guaranty must complete a Uniform Residential Loan Application (URLA)/Business Purpose Loan Application indicating clearly that such document is being provided in the capacity of guarantor - Due Diligence Vendor-01/07/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:16 | 2025-12-31 13:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/ sufficient coverage. - Due Diligence Vendor-12/31/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title xxxxxx. Note xxxxxx. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received revised commitment w/ sufficient coverage. - Due Diligence Vendor-12/31/2025 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855147 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 21:58 | 2025-12-22 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received updated lender worksheet with the value for property 4 changed to the appraised value of xxxxxx - Due Diligence Vendor-12/22/2025 <br> Open-Audited LTV of 65.06% exceeds Guideline LTV of 65% - Due Diligence Vendor-12/16/2025 |  | Resolved-Received updated lender worksheet with the value for property 4 changed to the appraised value of xxxxxx - Due Diligence Vendor-12/22/2025 | DSCR % greater than 1.20 - Qualifying DSCR 1.417; minimum required 1.20<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855149 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 12:18 | 2026-01-28 09:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the lender's guides do not require a rent free letter and the borrower is not a FTHB. - Due Diligence Vendor-01/28/2026 <br> Counter-Rent free letter from borrower and counter property appraiser report provided. Please provide the rent free letter from the property owner. - Due Diligence Vendor-01/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower lives rent free with spouse. Proof of a 12 month payment history OR proof property is owned free & clear. - Due Diligence Vendor-12/30/2025 |  | Resolved-After further review, the lender's guides do not require a rent free letter and the borrower is not a FTHB. - Due Diligence Vendor-01/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 758<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855184 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855224 | xxxxxx C A | Closed | xxxxxx | 2026-01-07 10:25 | 2026-01-20 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received acquisition HUD for subject. - Due Diligence Vendor-01/20/2026 <br>Counter-Received settlement statement for subject. Missing delayed financing documentation. - Due Diligence Vendor-01/12/2026 <br>Open-Missing closing statement from purchase subject to confirm purchase price and total amount of funds used. (delayed financing) - Due Diligence Vendor-01/07/2026 |  | Resolved-Received acquisition HUD for subject. - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 772; guidelines require 660 Required is 660 Borrower has 772<br>LTV is less than guideline maximum - LTV 19.18%. Allowed LTV 75% Required is 75 Borrower has 19.18 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855236 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855242 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855248 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 14:57 | 2026-01-27 11:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/27/2026 <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-01/20/2026 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/27/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855251 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 10:24 | 2026-02-03 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the BPO meets the guidelines used for qualification. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. uploaded - Seller-01/30/2026 <br> Counter-Review is unable to locate secondary valuation product considered. Please provide. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Please escalate to management for review. Class valuations is an approved xxxxxx with our company and this BPO is acceptable. We do not have an approved BPO vendor list for the xxxxxx. - Seller-01/29/2026 <br> Counter-Received Snip. The BPO used to support the value is not from an approved vendor. Finding remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. From the broker: Per the screenshot uploaded from the xxxxxx notes says the report was completed in xxxxxx. The pending status noted in the Listing & Sale Information section does say pending, as the sale was pending. It is not meant to indicate that something about the valuation is incomplete. - Seller-01/27/2026 <br> Open-Property Issues are identified for the property The BPO used to support the value is not from an approved vendor, is not dated and has a "pending" status. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. uploaded - Seller-01/30/2026 <br> Ready for Review-Please escalate to management for review. Class valuations is an approved xxxxxx with our company and this BPO is acceptable. We do not have an approved BPO vendor list for the xxxxxx. - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. From the broker: Per the screenshot uploaded from the xxxxxx notes says the report was completed in xxxxxx. The pending status noted in the Listing & Sale Information section does say pending, as the sale was pending. It is not meant to indicate that something about the valuation is incomplete. - Seller-01/27/2026 | Resolved-Upon further review, the BPO meets the guidelines used for qualification. - Due Diligence Vendor-02/03/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is .75 Borrower has 1.154<br>Months Reserves exceed minimum required - minimum reserves = 6 months PITI(a). Borrower has 12.27 months |  | xxxxxx Snips.pdf<br> xxxxxx BPO.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855306 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 23:40 | 2026-01-08 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender used : xxxxxx (as-is) \* .85 \* 14.5104 (total millage) = xxxxxx. Used xxxxxx/year to be conservative. Taxes are escrowed. - Due Diligence Vendor-01/08/2026 <br> Open-Missing Evidence of Property Tax Subject is xxxxxx. Lender to provide real estate tax estimate/certificate for subject property to substantiate using real estate taxes of xxxxxx per month. Audit used the lender's taxes in the interim to calculate the DSCR ratio. Additional conditions may apply. - Due Diligence Vendor-12/30/2025 |  | Resolved-Lender used : xxxxxx (as-is) \* .85 \* 14.5104 (total millage) = xxxxxx. Used xxxxxx/year to be conservative. Taxes are escrowed. - Due Diligence Vendor-01/08/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 60<br>DSCR % greater than 1.20 - DSCR is 1.339, min required is 1 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855306 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 14:20 | 2026-01-05 11:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received 2 months bank statements. - Due Diligence Vendor-01/05/2026 <br> Open-Asset 1 Less Than 2 Months Verified guides require 2 months most recent statements. Lender to provide 2 full months of bank statements to support sufficient funds to cover reserves. Additional conditions may apply. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received 2 months bank statements. - Due Diligence Vendor-01/05/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 60<br>DSCR % greater than 1.20 - DSCR is 1.339, min required is 1 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855306 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 14:23 | 2026-01-02 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-After further review, the lender's guidelines do not specify a cash out letter is required and the loan file contains a business purpose affidavit. There is also no personal debt paid on the final HUD. - Due Diligence Vendor-01/02/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Additional findings may apply. - Due Diligence Vendor-12/29/2025 |  | Resolved-After further review, the lender's guidelines do not specify a cash out letter is required and the loan file contains a business purpose affidavit. There is also no personal debt paid on the final HUD. - Due Diligence Vendor-01/02/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 60<br>DSCR % greater than 1.20 - DSCR is 1.339, min required is 1 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855306 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 23:19 | 2025-12-31 12:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for PPP discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-12/31/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per Note, the prepay term is 36 months, ending January 2029. - Due Diligence Vendor-12/30/2025 |  | Waived-Client provided a waiver for PPP discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-12/31/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 60<br>DSCR % greater than 1.20 - DSCR is 1.339, min required is 1 | LTV 60% 10% below max allowed, DSCR 1.33 with min required 1.0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855319 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 15:01 | 2025-12-30 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the VOR is not required. - Due Diligence Vendor-12/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOR for primary residence. - Due Diligence Vendor-12/12/2025 |  | Resolved-After further review, the VOR is not required. - Due Diligence Vendor-12/30/2025 | Months Reserves exceed minimum required - Required 3 months. Borrower has 52.23 months of reserves.<br>LTV is less than guideline maximum - Required is 65. Borrower has 55.71. Required is 65 Borrower has 55.71 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855319 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 15:29 | 2025-12-18 11:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved-Received RCE - Due Diligence Vendor-12/18/2025 <br> Open-Per guidelines: If Cost approach on appraisal is not complete, Replacement Cost Estimator is required. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received RCE - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - Required 3 months. Borrower has 52.23 months of reserves.<br>LTV is less than guideline maximum - Required is 65. Borrower has 55.71. Required is 65 Borrower has 55.71 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855426 | xxxxxx C A | Closed | xxxxxx | 2026-01-06 15:45 | 2026-01-20 11:42 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received 1031 Exchange agreement and Title company statement of account. - Due Diligence Vendor-01/20/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements 1031 Exchange from sale of xxxxxx: The following documents are required: <br> 1031 Exchange Agreement (copy in file is not executed), and <br> Letter from the Qualified Intermediary verifying current funds available to the borrower (currently only the final settlement stmt was provided). <br> - Due Diligence Vendor-01/06/2026 |  | Resolved-Received 1031 Exchange agreement and Title company statement of account. - Due Diligence Vendor-01/20/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855435 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 07:51 | 2025-12-24 16:34 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Chain of Title - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Counter-Chain from xxxxxx provided, please provide prior chain of title. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Unsatisfactory Chain of Title provided. All files must contain a 24-month title history. Transfer date, price, and transferor and transferee should be provided for any transfers that occurred within the past 24-months and must be reflected in the title commitment. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Received Chain of Title - Due Diligence Vendor-12/24/2025 | Months Reserves exceed minimum required - 87 months reserves documented, 6 months required<br>Long term residence - 13 years at primary residence |  | xxxxxx_36 month.pdf<br> xxxxxx_36 month FR 7.14.2017.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855435 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 21:03 | 2025-12-22 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Subject property is listed for sale | Resolved-Received documentation to support subject is not currently listed for sale. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx screenshot showing property sold xxxxxx. Not listed - Seller-12/19/2025 <br> Open-UW to confirm there is no evidence the home is listed for sale. Not listed for sale - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please see attached xxxxxx screenshot showing property sold xxxxxx. Not listed - Seller-12/19/2025 | Resolved-Received documentation to support subject is not currently listed for sale. - Due Diligence Vendor-12/22/2025 | Months Reserves exceed minimum required - 87 months reserves documented, 6 months required<br>Long term residence - 13 years at primary residence |  | xxxxxx_PROOF PROPERTY SOLD xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855445 | xxxxxx D A | Closed | xxxxxx | 2025-12-18 17:16 | 2025-12-31 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation. - Due Diligence Vendor-12/31/2025 <br> Open-Missing Lender's DSCR calculation. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received DSCR Calculation. - Due Diligence Vendor-12/31/2025 | Months Reserves exceed minimum required - 104.95 months reserves; 12 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746; guidelines require 700. Required is 700 Borrower has 746 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855447 | xxxxxx D A | Closed | xxxxxx | 2025-12-18 16:30 | 2025-12-31 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-12/31/2025 <br> Open-Missing Lender's DSCR calculation. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-12/31/2025 | LTV is less than guideline maximum - LTV 70%. LTV Allowed 75% Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746; guidelines require 700. Required is 700 Borrower has 746 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855447 | xxxxxx D A | Closed | xxxxxx | 2025-12-18 10:42 | 2025-12-31 12:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-12/31/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage xxxxxx is less than Total Amount of Subject Lien(s) xxxxxx. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-12/31/2025 | LTV is less than guideline maximum - LTV 70%. LTV Allowed 75% Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 746; guidelines require 700. Required is 700 Borrower has 746 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855456 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 14:55 | 2026-04-22 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property detail report, borrower purchased in xxxxxx w/ no lien reporting from initial purchase - Due Diligence Vendor-04/22/2026 <br> Counter-Received mtg statement on primary. Credit report reflects 8 mos rating statement is 9 mos rating. Missing complete 12 month primary housing rating. - Due Diligence Vendor-04/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Primary residence xxxxxx only provided 1 mortgage statement (8/1/25). Mortgage not reporting on credit report. Please rovide a VOM or 12 months canceled checks. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received property detail report, borrower purchased in xxxxxx w/ no lien reporting from initial purchase - Due Diligence Vendor-04/22/2026 | Months Reserves exceed minimum required - 6 months reserves required - provided 53.14months.<br>Qualifying DTI below maximum allowed - DTI 40.84% is lower than allowable 50% Required is 50 Borrower has 40.84 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855475 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 19:29 | 2026-03-11 12:00 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated 1003 was provided with the two properties added. - Due Diligence Vendor-03/11/2026 <br> Counter-Please provide an updated 1003 with the two properties included. The properties were owned free and clear and the T&I payments were already provided. - Due Diligence Vendor-03/10/2026 <br> Counter-Received see screenshot. Please provide correct final 1003 and validation of PITIA of 2 properties xxxxxx and xxxxxx. - Due Diligence Vendor-03/09/2026 <br> Counter-Received Lender note in excel indicates "see attached.". No new document attached. - Due Diligence Vendor-03/04/2026 <br> Counter-Received property profiles that confirm ownership of the two undisclosed properties. Missing proof of PITIA both properties - Due Diligence Vendor-03/03/2026 <br> Counter-Received Lender comment :Please clarify the 2 properties you are referring to. Audit response- xxxxxx and xxxxxx. - Due Diligence Vendor-02/26/2026 <br> Open-Income and Employment Do Not Meet Guidelines 2 properties were not disclosed on the application but tax and insurance was provided showing the borrower as the owner. Provide proof properties are free and clear or verify the borrower is not obligated for xxxxxx and xxxxxx. - Due Diligence Vendor-02/25/2026 |  | Resolved-Updated 1003 was provided with the two properties added. - Due Diligence Vendor-03/11/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855475 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 19:29 | 2026-03-09 11:42 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Income Trend is Decreasing | Resolved-Received email confirming reduction in hours and 2025 income reduction has stabilized. - Due Diligence Vendor-03/09/2026 <br> Counter-Received Lender note in excel indicates "see attached.". No new document attached. - Due Diligence Vendor-03/04/2026 <br> Counter-Received LOX. LOX did not confirm if issues has been resolved and if hours are not back to previous hours. - Due Diligence Vendor-03/03/2026 <br> Open-Income 3 Income Trend is Decreasing Borrower to provide a written explanation for declining income for secondary employment. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received email confirming reduction in hours and 2025 income reduction has stabilized. - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855475 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 19:52 | 2026-03-04 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Counter-Received property profiles that confirm ownership of the two undisclosed properties. Missing proof of PITIA both properties. - Due Diligence Vendor-03/03/2026 <br> Counter-Lender note in excel indicates "please see attached". No new document attached. - Due Diligence Vendor-03/02/2026 <br> Counter-Lender note in excel indicates "please see attached". No new document attached. - Due Diligence Vendor-02/27/2026 <br> Counter-Received Sam report. Fraud report in initial file reflect multiple high alerts. Documents to clear alerts could not be located in loan file. (1). xxxxxx was potentially matched to xxxxxx on the watchlist named EPLS. Please take additional steps to verify the identity of the name submitted. (2). Undisclosed properties not included on 1003. xxxxxx, OR xxxxxx, OR xxxxxx (3) Potential Occupancy Alert - DRIVE has identified multiple occupancy conditions that require further review. (See Conditions 2016, 1050, 1051, 1052, 2030, and 2341. (4) All of the required participant(s) have not been input. Borrowing Spouse; Title Underwriter - Due Diligence Vendor-02/24/2026 <br> Open-Fraud Report Shows Uncleared Alerts All high alerts to be reviewed and cleared. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Fraud report provided. - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  | xxxxxx_DV (1).pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855475 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 19:52 | 2026-03-04 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Data Verify confirming No match first and middle name of Underwriter. - Due Diligence Vendor-02/26/2026 <br> Open-OFAC Check Not Completed and/or Cleared Appraisal UW shows as a potential watchlist. Please verify. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Data Verify confirming No match first and middle name of Underwriter. - Due Diligence Vendor-02/26/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855475 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 20:04 | 2026-02-24 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of HOA. - Due Diligence Vendor-02/24/2026 <br> Open-Proof of HOA dues needed for property xxxxxx on the application. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received proof of HOA. - Due Diligence Vendor-02/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855475 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 14:22 | 2026-02-10 16:53 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ---- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/10/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ---- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/10/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855479 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855591 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855606 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855666 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 14:43 | 2026-01-29 10:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Checklist of Coverage confirming replacement cost. - Due Diligence Vendor-01/29/2026 <br> Counter-Received HOI and Checklist. Unable to determine source of checklist. Please have HOI confirm insurable value. An email or statement from the insurer is sufficient. - Due Diligence Vendor-01/06/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Lender to provide a Replacement Cost Estimator from the Insurer to verify the current policy has adequate coverage and/or an updated policy to reflect sufficient insurance coverage to meet agency requirements.<br> - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Checklist of Coverage confirming replacement cost. - Due Diligence Vendor-01/29/2026 | Months Reserves exceed minimum required - Borrower documented 4.2 months PITIA reserves, none required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855669 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855735 | xxxxxx C B A | Closed | xxxxxx | 2026-01-14 18:55 | 2026-01-28 13:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-01/28/2026 <br> Counter-Received originator exception missing client exception approval. - Due Diligence Vendor-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per guides, borrowers without a complete 12-month housing history are allowed with the following requirements: <br> (1) There must be open/active mortgages on credit report with a minimum 12-month history. However, the borrower has no open/active mortgages reporting on credit report.<br> (2) Borrower must meet the definition of experienced real estate investor. The leases provided for subject property begin xxxxxx, which at the time of closing is less than 12 months. The borrower does not have history of owning "and" managing commercial or non-owner occupied residential real estate for at least 1 year in the last 3 years. Additionally, although borrower is listed on title, another individual is financially responsible for making the mortgage payments on the property and is listed as a co-landlord on the leases.<br> (3) If the borrower is living rent-free, a rent-free letter from the homeowner is required. However, a rent-free letter from the homeowner was not provided.<br> Although the 1008 contains a comment from the underwriter that states "Exception granted for living rent free," a formal exception request/approval specifically detailing the nature for the exception was not found in the loan file. - Due Diligence Vendor-01/14/2026 |  | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-01/28/2026 | DSCR % greater than 1.20 - DSCR is 2.706. 1.00 was required. Required is 1 Borrower has 2.706<br>LTV is less than guideline maximum - Required is 75 Borrower has 25.29 | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> 2 - DSCR > 1.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855735 | xxxxxx C B A | Closed | xxxxxx | 2026-01-14 18:52 | 2026-01-28 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-01/28/2026 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) The borrower is a first-time investor who lives rent free. Although the 1008 contains a comment from the underwriter that states "Exception granted for living rent free," a formal exception request/approval specifically detailing the nature for the exception was not found in the loan file. - Due Diligence Vendor-01/14/2026 |  | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-01/28/2026 | DSCR % greater than 1.20 - DSCR is 2.706. 1.00 was required. Required is 1 Borrower has 2.706<br>LTV is less than guideline maximum - Required is 75 Borrower has 25.29 | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> 2 - DSCR > 1.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855735 | xxxxxx C B A | Closed | xxxxxx | 2026-01-14 11:19 | 2026-01-27 11:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver reserves of 0.06 month(s) are less than Guideline Required Reserves of 3 month applied to non material finding with comp factors - Due Diligence Vendor-01/27/2026 <br> Open-Audited Reserves of 0.06 month(s) are less than Guideline Required Reserves of 3 month(s) No documented assets in file to cover minimum 3 months of reserves required. - Due Diligence Vendor-01/14/2026 |  | Waived-Client provided a waiver reserves of 0.06 month(s) are less than Guideline Required Reserves of 3 month applied to non material finding with comp factors - Due Diligence Vendor-01/27/2026 | DSCR % greater than 1.20 - DSCR is 2.706. 1.00 was required. Required is 1 Borrower has 2.706<br>LTV is less than guideline maximum - Required is 75 Borrower has 25.29 | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DSCR > 1.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 855773 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855789 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 15:06 | 2026-01-12 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received cash out purpose letter. - Due Diligence Vendor-01/12/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received cash out purpose letter. - Due Diligence Vendor-01/12/2026 | Months Reserves exceed minimum required - 73 months PITIA reserves; 12 months reserves required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 64.97 Required is 70 Borrower has 64.97 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855789 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 14:35 | 2026-01-05 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, the loan file contained all required condo rider documentation. - Due Diligence Vendor-01/05/2026 <br> Open-Condominium Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-12/30/2025 |  | Resolved-Upon further review, the loan file contained all required condo rider documentation. - Due Diligence Vendor-01/05/2026 | Months Reserves exceed minimum required - 73 months PITIA reserves; 12 months reserves required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 64.97 Required is 70 Borrower has 64.97 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855789 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 14:50 | 2026-01-05 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO6 policy. - Due Diligence Vendor-01/05/2026 <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-12/30/2025 |  | Resolved-Received HO6 policy. - Due Diligence Vendor-01/05/2026 | Months Reserves exceed minimum required - 73 months PITIA reserves; 12 months reserves required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 64.97 Required is 70 Borrower has 64.97 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855792 | xxxxxx D A | Closed | xxxxxx | 2025-12-17 17:12 | 2026-01-28 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received note from originator dla for primary on credit report is 11/1. Evidence 11/1 payment has been made was provided. - Due Diligence Vendor-01/28/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The following housing related items are missing:<br> (1) Subject lien paid through the transaction was held by a private non-institutional lender (the Originator on subject loan) and is missing the most recent 6-month history (cancelled checks, mortgage statements, bank statements reflecting payments, etc.) as required per guideline section 9.4. Must support 0x30x6 (per Appendix F) and no more than 1x30x12. <br> (2) Evidence of satisfactory payment history up to the month of closing (closed December, missing November) for the borrower's primary residence.<br> (3) Additional findings may apply. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received note from originator dla for primary on credit report is 11/1. Evidence 11/1 payment has been made was provided. - Due Diligence Vendor-01/28/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.39; minimum required 1.00<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855792 | xxxxxx D A | Closed | xxxxxx | 2025-12-17 16:56 | 2026-01-23 17:22 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Legal zoning with R-10 Classification and the other properties that are legal non-conforming are R-3 Classification. There is a difference in allowable lot size between R-3 and R-10. - Due Diligence Vendor-01/23/2026 <br> Counter-Property 5 is identified as xxxxxx, property 6 is xxxxxx and property 8 is xxxxxx. Property 5 & 6 will need to have the appraisal corrected to reflect the property as legal non-conforming with the rebuild comment or letter support it can be rebuilt. Property 8 is listed as legal and a rebuilt comment or correct to the appraisal is not required. - Due Diligence Vendor-01/21/2026 <br> Counter-Review of the appraisal for property 5, 6 and 8 does not reflect a comment from the appraiser stating the properties can be rebuilt if destroyed, the other properties as a part of this cross-collateral loan do have this comment. Missing the required rebuild letter/comment from the appraiser for property 5,6 and 8. Property 5, 6 and 7 have comps that are in close proximity to similar tracks, this portion of the condition has been resolved. - Due Diligence Vendor-01/16/2026 <br> Counter-Received notes from originator appraiser states if greater than 50% is destroyed may be rebuilt. Original finding remains. Different appraisers for P5, P6 and P8 show legal. - Due Diligence Vendor-01/15/2026 <br> Counter-For clarification: Property appraisal 1 (different appraiser) reflects subject as non conforming. Different appraisers for P5, P6 and P8 show legal. Missing letter from the local building authority OR statement by the appraiser must be obtained to certify the subject property can be rebuilt "as is" (i.e. to its current density) in the event of a partial or total destruct as required per guideline section 10.5. - For P5/P6/P7 - are all located within close proximity of xxxxxx. Appraiser selected majority of comps from across major roadways which are not influenced by similar externalities. Missing comments to support no negative impact to marketability or adjustments applicable. - Additional findings may apply. - Due Diligence Vendor-01/05/2026 <br> Open-The following appraisal items to be addressed:<br> - For P5/P6/P8 - says legal conforming zoning but adjacent property appraisals show non-conforming for similar site size. Missing letter from the local building authority OR statement by the appraiser must be obtained to certify the subject property can be rebuilt "as is" (i.e. to its current density) in the event of a partial or total destruct as required per guideline section 10.5.<br> - For P5/P6/P7 - are all located within close proximity of xxxxxx. Appraiser selected majority of comps from across major roadways which are not influenced by similar externalities. Missing comments to support no negative impact to marketability or adjustments applicable. <br> - Additional findings may apply. - Due Diligence Vendor-12/17/2025 |  | Resolved-Legal zoning with R-10 Classification and the other properties that are legal non-conforming are R-3 Classification. There is a difference in allowable lot size between R-3 and R-10. - Due Diligence Vendor-01/23/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.39; minimum required 1.00<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855792 | xxxxxx D A | Closed | xxxxxx | 2025-12-17 17:05 | 2026-01-20 13:35 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received preliminary title reflecting xxxxxx mtg only. - Due Diligence Vendor-01/20/2026 <br> Open-Property Title Issue Title shows lien paid at closing was taken in xxxxxx, prior to borrowers acquisition of the properties. VOM in file shows the mortgage was taken xxxxxx. Additionally the Closing Protection Letter is missing as required per Appendix A Overview of Required Documentats. Additional findings may apply. <br> - Due Diligence Vendor-12/17/2025 |  | Resolved-Received preliminary title reflecting xxxxxx mtg only. - Due Diligence Vendor-01/20/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.39; minimum required 1.00<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855792 | xxxxxx D A | Closed | xxxxxx | 2025-12-17 17:05 | 2026-01-15 10:27 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 mos chain of title for Property 3. - Due Diligence Vendor-01/15/2026 <br> Open-Unsatisfactory Chain of Title provided. Missing 24-month chain of title as required per guideline section 15. Property xxxxxx on title does not reflect any recent transfers per public records (property record provided by Originator that reflects the county tax account status). Additional findings may apply. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received 24 mos chain of title for Property 3. - Due Diligence Vendor-01/15/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.39; minimum required 1.00<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855792 | xxxxxx D A | Closed | xxxxxx | 2025-12-17 17:32 | 2026-01-14 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lender is using market rent @ 75% for property #7. Cross collateral worksheet updated. - Due Diligence Vendor-01/14/2026 <br> Open-All lease agreements received. For P7 security deposit collected of $1670 does not match the lease requirement of $1700. Required for Occupied/Leased long term rentals where the lease amount was used towards qualifying. Otherwise must qualify with 75% of market rents. - Due Diligence Vendor-12/17/2025 |  | Resolved-Lender is using market rent @ 75% for property #7. Cross collateral worksheet updated. - Due Diligence Vendor-01/14/2026 | DSCR % greater than 1.20 - Qualifying DSCR 1.39; minimum required 1.00<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855811 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 22:09 | 2026-01-28 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received Appraisal . Appraisal reflected xxxxxx and a xxxxxx Property Code doesn't mandate xxxxxx for single family investment properties.. - Due Diligence Vendor-01/28/2026 <br> Counter-Received Appraisal . Appraisal reflected xxxxxx and a xxxxxx. Did not locate pictures or notes for xxxxxx or proof of escape plan noted in finding. - Due Diligence Vendor-01/21/2026 <br> Open-Property Issues are identified for the property Subject SFR investment property. Appraiser did not comment/capture xxxxxx present. Per Fire ad Safety Legislation in the state of xxxxxx: As of 2/2019, xxxxxx: Single- and multi-family dwellings that are rented out by a third party must ensure all units are equipped with xxxxxx. Owners must also post an emergency escape plan conspicuously within the unit. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Appraisal . Appraisal reflected xxxxxx and a xxxxxx Property Code doesn't mandate xxxxxx for xxxxxx investment properties.. - Due Diligence Vendor-01/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 | Score for grading is 755, min required is 700, LTV is 70%, max allowed is 75%. | xxxxxx Fire safety legislation and local ordinaces for the city of xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856091 | xxxxxx C A | Closed | xxxxxx | 2026-01-15 10:28 | 2026-01-22 14:17 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD - Due Diligence Vendor-01/22/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing - Due Diligence Vendor-01/15/2026 |  | Resolved-Received final seller CD - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - 43.81 months reserves; 2 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856150 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856307 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856357 | xxxxxx C B A | Closed | xxxxxx | 2025-12-19 16:06 | 2025-12-30 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document Uploaded. Clear OFAC provided. - Due Diligence Vendor-12/30/2025 <br> Counter-Received SAM. Still missing OFAC clearance report. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Counter-Received high alert cleared for borrower. Missing OFAC clearance report and SAM clearance for MLO. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/20/2025 <br> Open-Fraud Report Shows Uncleared Alerts There are uncleared alerts on the fraud report for Loan Officer 2 (OFAC & High Risk Watchlist) and the Borrower (Potential loan churring). - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Document Uploaded. Clear OFAC provided. - Due Diligence Vendor-12/30/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0. Borrower has 1.007. Required is 0 Borrower has 1.007<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 793. Required is 660 Borrower has 793<br>LTV is less than guideline maximum - Required is 70. Borrower has 53.38. Required is 70 Borrower has 53.38 |  | xxxxxx Fraud.pdf<br> sam.gov - xxxxxx (1).pdf<br> Sanctions List Search.pdf<br> xxxxxx ID - updated.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856357 | xxxxxx C B A | Closed | xxxxxx | 2025-12-19 12:39 | 2025-12-19 16:15 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator waiver applied to non-material finding. Prepay in xxxxxx on a loan vested in an entity. - Due Diligence Vendor-12/19/2025 <br> Open-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/19/2025 |  | Waived-Originator waiver applied to non-material finding. Prepay in xxxxxx on a loan vested in an entity. - Due Diligence Vendor-12/19/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0. Borrower has 1.007. Required is 0 Borrower has 1.007<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 793. Required is 660 Borrower has 793<br>LTV is less than guideline maximum - Required is 70. Borrower has 53.38. Required is 70 Borrower has 53.38 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 856375 | xxxxxx C A | Closed | xxxxxx | 2026-01-12 20:13 | 2026-01-21 09:19 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Both borrowers are on the loan, consent from is not required. - Due Diligence Vendor-01/21/2026 <br>Open-The required spousal consent to pledge form is missing. Required Spousal Consent to Pledge form is missing - Due Diligence Vendor-01/13/2026 |  | Resolved-Both borrowers are on the loan, consent from is not required. - Due Diligence Vendor-01/21/2026 | Months Reserves exceed minimum required - Min 6, actual 24.33<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856400 | xxxxxx C A | Closed | xxxxxx | 2025-12-30 13:08 | 2026-01-05 10:10 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received final 1003 - Due Diligence Vendor-01/05/2026 <br>Open-Missing final signed 1003 - Due Diligence Vendor-12/30/2025 |  | Resolved-Received final 1003 - Due Diligence Vendor-01/05/2026 | LTV is less than guideline maximum - LTV Maximum 75 Borrower has 50.24 Required is 75 Borrower has 50.24<br>Months Reserves exceed minimum required - 85 Months Reserves exceed 2 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856416 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 06:53 | 2026-04-30 18:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM.<br> - Due Diligence Vendor-04/30/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing Verification of Mortgage. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received VOM.<br> - Due Diligence Vendor-04/30/2026 | Credit history exceeds minimum required - Traded paid as agreed 24+ months with required 12.<br>Months Reserves exceed minimum required - 17+ months reserves exceed required 3 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856416 | xxxxxx C B A | Closed | xxxxxx | 2026-01-08 06:43 | 2026-01-08 15:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted in file, waiver applied with comp factors. For the property The appraiser noted on the appraisal (pgs. 13-14) that the unadjusted or adjusted comps are no longer bracketed by the comps the appraiser attributed most weight to (comps 1-4).<br> - Due Diligence Vendor-01/08/2026 <br> Open-Property Issues are identified for the property The appraiser noted on the appraisal (pgs. 13-14) that the unadjusted or adjusted comps are no longer bracketed by the comps the appraiser attributed most weight to (comps 1-4).<br> - Due Diligence Vendor-01/08/2026 |  | Waived-Client exception granted in file, waiver applied with comp factors. For the property The appraiser noted on the appraisal (pgs. 13-14) that the unadjusted or adjusted comps are no longer bracketed by the comps the appraiser attributed most weight to (comps 1-4).<br> - Due Diligence Vendor-01/08/2026 | Credit history exceeds minimum required - Traded paid as agreed 24+ months with required 12.<br>Months Reserves exceed minimum required - 17+ months reserves exceed required 3 months | 1. DSCR > 1.15 (Actual DSCR is 1.12) 2. Reserves 17.63 months only 3 months required. <br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856519 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856531 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856547 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856567 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856582 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 09:14 | 2026-03-04 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated dec page provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/03/2026 <br> Counter-Received Binder. The Binder is insufficient because it is "A temporary insurance contract" as noted on the document provided. Please provide final HOI policy to confirm all terms. - Due Diligence Vendor-02/26/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per Dec page premium of xxxxxx - per HUD lender collected a premium of xxxxxx - provide additional HOI Dec page reflecting higher premium amount. - Due Diligence Vendor-01/30/2026 |  | Resolved-Updated dec page provided. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 Required is 660 Borrower has 715<br>LTV is less than guideline maximum - Required is 75 Borrower has 45 Required is 75 Borrower has 45 |  | endorsement FP24085056.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856645 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856656 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856657 | xxxxxx C B A | Closed | xxxxxx | 2026-01-09 10:14 | 2026-01-09 10:19 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements The guidelines state if there is a HELOC with any draws in the last six (6) months, the loan is ineligible for cash-out. The borrower took a draw on the HELOC on xxxxxx, which is within six months. Client Exception in file. Non-material with compensating factors. - Due Diligence Vendor-01/09/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements The guidelines state if there is a HELOC with any draws in the last six (6) months, the loan is ineligible for cash-out. The borrower took a draw on the HELOC on xxxxxx, which is within six months. Exception in file. Non-material with compensating factors. - Due Diligence Vendor-01/09/2026 |  | Waived-Cash Out Does Not Meet Guideline Requirements The guidelines state if there is a HELOC with any draws in the last six (6) months, the loan is ineligible for cash-out. The borrower took a draw on the HELOC on xxxxxx, which is within six months. Client Exception in file. Non-material with compensating factors. - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 793. Required is 700 Borrower has 793<br>LTV is less than guideline maximum - Required is 70. Borrower has 63.06. Required is 70 Borrower has 63.06 | Credit score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856679 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 10:43 | 2026-01-14 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received The Final SELLER CD/HUD - Due Diligence Vendor-01/14/2026 <br> Counter-Received CD, LOE, Bank Statement. 1. Letter in upload (9) reflecting an alternate property address? 2. HUD appear to reflect xxxxxx to borrower from seller. Please confirm source of additional funds noted. 3. Statement provided show xxxxxx from xxxxxx. Letter in file is not signed(6) but shows funds given to Seller xxxxxx. Need operating agreement from xxxxxx and xxxxxx. - Due Diligence Vendor-01/09/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/05/2026 |  | Resolved-Received The Final SELLER CD/HUD - Due Diligence Vendor-01/14/2026 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 779; guidelines require 700. Required is 700 Borrower has 779 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856679 | xxxxxx C A | Closed | xxxxxx | 2026-01-05 11:09 | 2026-01-14 12:20 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received LOE, Operating Agreement, Bank Statement. - Due Diligence Vendor-01/14/2026 <br> Counter-Received CD, LOE, Bank Statement. 1. Letter in upload (9) reflecting an alternate property address? 2. HUD appear to reflect xxxxxx to borrower from seller. Please confirm source of additional funds noted. 3. Statement provided show xxxxxx from xxxxxx. Letter in file is not signed(6) but shows funds given to Seller xxxxxx. Need operating agreement from xxxxxx and xxxxxx. - Due Diligence Vendor-01/09/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence EMD funds in the amount of 50,000.00 were received. Without EMD verified loan will be short cash to close. - Due Diligence Vendor-01/05/2026 |  | Resolved-Received LOE, Operating Agreement, Bank Statement. - Due Diligence Vendor-01/14/2026 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 779; guidelines require 700. Required is 700 Borrower has 779 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856686 | xxxxxx C B A | Closed | xxxxxx | 2026-01-09 10:43 | 2026-01-14 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, the loan file contained all required documentation. One witness is required and one can be the notary. - Due Diligence Vendor-01/14/2026 <br>Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Missing required witness signature(s) - Due Diligence Vendor-01/09/2026 |  | Resolved-Upon further review, the loan file contained all required documentation. One witness is required and one can be the notary. - Due Diligence Vendor-01/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761<br>Long term residence - Long Term Residence = 6+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 66.1 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856686 | xxxxxx C B A | Closed | xxxxxx | 2026-01-09 10:21 | 2026-01-09 10:46 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-01/09/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements EXCEPTION in file: Borrower purchased the property xxxxxx with cash and has not rehab work on the property per the appraisal. They are requesting an exception to use the appraised value on a cash out refinance even though the borrower has not owned the property for 12 months yet.<br> - Due Diligence Vendor-01/09/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761<br>Long term residence - Long Term Residence = 6+ years<br>LTV is less than guideline maximum - Required is 75 Borrower has 66.1 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856691 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 17:37 | 2026-01-09 10:01 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received proof of IRS EIN. - Due Diligence Vendor-01/09/2026 <br>Open-The Business Entity Formation Document is incomplete Missing EIN from IRS. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received proof of IRS EIN. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 41.15 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856691 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 17:44 | 2026-01-09 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Received tax cert. - Due Diligence Vendor-01/09/2026 <br>Open-Missing Tax certification - Due Diligence Vendor-12/30/2025 |  | Resolved-Received tax cert. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 41.15 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856691 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 18:27 | 2026-01-05 10:06 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received conditional approval. - Due Diligence Vendor-01/05/2026 <br>Open-Missing Approval/Underwriting Summary missing 1008 or loan approval - Due Diligence Vendor-12/30/2025 |  | Resolved-Received conditional approval. - Due Diligence Vendor-01/05/2026 | Months Reserves exceed minimum required - 41.15 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856704 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 22:22 | 2026-01-16 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-01/16/2026 <br>Open-Missing Hazard Insurance Policy Missing complete Hazard Insurance Policy showing amount of coverage, additional findings may apply. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-01/16/2026 | LTV is less than guideline maximum - LTV maximum is 80 Borrower has 71.76 Required is 80 Borrower has 71.76<br>Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680 Borrower has 779 Required is 680 Borrower has 779 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856704 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 23:01 | 2026-01-14 11:57 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Conditional Approval - Due Diligence Vendor-01/14/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Conditional Approval - Due Diligence Vendor-01/14/2026 | LTV is less than guideline maximum - LTV maximum is 80 Borrower has 71.76 Required is 80 Borrower has 71.76<br>Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680 Borrower has 779 Required is 680 Borrower has 779 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856712 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856715 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856745 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856755 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 14:11 | 2026-01-14 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-01/14/2026 <br> Open-Missing Hazard Insurance Policy. Additionally, findings may apply upon receipt. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-01/14/2026 | Months Reserves exceed minimum required - 381.28 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Qualifying FICO score 768; guidelines require 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856757 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 10:13 | 2026-02-04 09:41 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026 <br> Open-Property Title Issue Title reflects a lien for xxxxxx secured against the subject – dated xxxxxx. There is a payoff in file from xxxxxx for Loan xxxxxx in the amount of xxxxxx with a different collateral address. Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-01/13/2026 |  | Resolved-Final title provided showing the blanket lien is no longer a lien against the property. - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 390 months reserves, 6 months required <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856757 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 14:48 | 2026-01-23 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-01/23/2026 <br>Open-Lender to provide DSCR calculation - Due Diligence Vendor-01/13/2026 |  | Resolved-Received DSCR Calculation from Lender. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 390 months reserves, 6 months required <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856757 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 10:26 | 2026-01-22 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-01/22/2026 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy to meet lender's guidelines, including a minimum of 6 months rental loss, is required. Additional conditions may apply pending review. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 390 months reserves, 6 months required <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856757 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 10:33 | 2026-01-15 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026 <br> Counter-No document provided. Cash-Out letter is required. (Guideline 8.3 LOE will be required for closing.) - Due Diligence Vendor-01/15/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing required LOE on a cash out refinance - Due Diligence Vendor-01/13/2026 |  | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 390 months reserves, 6 months required <br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856760 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856779 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:34 | 2026-02-02 12:13 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/02/2026 <br> Open-Property Title Issue Title reflects a lien for xxxxxx secured against the subject – dated xxxxxx. There is a payoff in file from xxxxxx for Loan xxxxxx in the amount of xxxxxx with a different collateral address. Lender to provide Cross-Collateralization Agreement or the specific mortgage/deed of trust for the subject property, and specifically, the Release Clause within those documents, outlining the terms and required payment to free the subject property. - Due Diligence Vendor-01/13/2026 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856779 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:47 | 2026-01-23 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud report. - Due Diligence Vendor-01/23/2026 <br> Open-Third Party Fraud Report Partially Provided xxxxxx report, dated 12/22/2025, incomplete - only first 5 pages provided. LEnder to provide the full fraud report. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Fraud report. - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856779 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 15:25 | 2026-01-16 11:39 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received Hazard insurance reflecting sufficient Rent Loss Coverage. - Due Diligence Vendor-01/16/2026 <br>Open-Rent Loss Coverage is Insufficient or Missing. 6 months rent loss coverage required. Missing HOI policy. Finding rescinded, pending review of HOI policy. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Hazard insurance reflecting sufficient Rent Loss Coverage. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856779 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:56 | 2026-01-16 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received Lender DSCR calculation - Due Diligence Vendor-01/16/2026 <br>Open-Lender to provide DSCR calculation - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Lender DSCR calculation - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856779 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:43 | 2026-01-16 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard insurance reflecting sufficient Rent Loss Coverage. - Due Diligence Vendor-01/16/2026 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy to meet lender's guidelines, including a minimum of 6 months rental loss, is required. Additional conditions may apply pending review. - Due Diligence Vendor-01/13/2026 |  | Resolved-Received Hazard insurance reflecting sufficient Rent Loss Coverage. - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856779 | xxxxxx D A | Closed | xxxxxx | 2026-01-13 11:51 | 2026-01-15 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026 <br> Counter-No document provided. Cash-Out letter is required. (Guideline 8.3 LOE will be required for closing.) - Due Diligence Vendor-01/15/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing required LOE on a cash out refinance - Due Diligence Vendor-01/13/2026 |  | Resolved-Cash out letter is not required if there is a business purpose affidavit. No personal debts paid on the settlement statement - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x48 months mortgage history. Lender allows 1x30x12 months.<br>Months Reserves exceed minimum required - |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856793 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856805 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856864 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 17:09 | 2026-01-15 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-A cash out letter is not required in the guides a business purpose affidavit was provided and no personal debts were paid on the settlement statement. - Due Diligence Vendor-01/15/2026 <br>Counter-No document provided. Cash-Out letter is required to confirm guideline requirments are met (Cash-Out Refinances pg 22 of Guideline) - Due Diligence Vendor-01/15/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash Out Letter on a Business Purpose Loan. - Due Diligence Vendor-01/08/2026 |  | Resolved-A cash out letter is not required in the guides a business purpose affidavit was provided and no personal debts were paid on the settlement statement. - Due Diligence Vendor-01/15/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 61.59<br>Qualifying FICO score is at least 20 points above minimum for program - 720 FICO; 700 required<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.876 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856866 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856870 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856873 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 12:33 | 2026-04-17 09:13 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. ATR-QM status updated. - Due Diligence Vendor-04/07/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation to show B1 and B2 are both 100% owners of their respective businesses. (i.e. CPA letter or operating agreement) - Due Diligence Vendor-03/06/2026 |  | Resolved-Received income documentation. ATR-QM status updated. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 08:40 | 2026-04-17 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received PCCD removing lender paid portion of Loan Points which created finding however removing this did not create an increase in fees to borrower. - Due Diligence Vendor-04/17/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($701.82). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/17/2026 |  | Resolved-Received PCCD removing lender paid portion of Loan Points which created finding however removing this did not create an increase in fees to borrower. - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 07:28 | 2026-04-17 09:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx HLPA High-Cost Home Loan Late Payment Fee Test | Resolved-Received PCCD removing lender paid portion of loan points, no increase in fees to borrower. - Due Diligence Vendor-04/17/2026 <br> Counter-The xxxxxx provided is showing the lender paid discount point as being excluded. This should not be excluded. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the late payment fee test.<br> (xxxxxx HB 7814 § 1, xxxxxx § 34-25.2-6 (k))The loan has a late payment fee in excess of 3% of the amount of the payment past due. -----The loan has a late payment fee in excess of 3% of the amount of the payment past due. Note reflects 5% late payment fee. Finding is non-curable. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received PCCD removing lender paid portion of loan points, no increase in fees to borrower. - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 07:28 | 2026-04-17 09:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx HLPA High-Cost Home Loan Points and Fees Threshold Test | Resolved-Received PCCD removing lender paid portion of loan points, no increase in fees to borrower. - Due Diligence Vendor-04/17/2026 <br> Counter-The xxxxxx provided is showing the lender paid discount point as being excluded. This should not be excluded. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the points and fees threshold test due to one of the following findings:<br> (xxxxxx HB 7814 § 1, xxxxxx § 34-25.2-4 (l), (r))The loan has a "total loan amount" of xxxxxx or more and the total "points and fees" less any excluded points and fees exceed 5% of the total loan amount; orThe loan has a "total loan amount" less than xxxxxx and the total "points and fees" less any excluded points and fees exceed 8% of the total loan amount. ----- Tolerance violation exceeds allowable by $701.81, and due to Federal or Section 32 High-Cost, the overage is not curable - Due Diligence Vendor-03/05/2026 |  | Resolved-Received PCCD removing lender paid portion of loan points, no increase in fees to borrower. - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 08:32 | 2026-04-17 09:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $138,720.61. The disclosed finance charge of $138,018.79 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/17/2026 |  | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 08:32 | 2026-04-17 09:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $138,720.61. The disclosed finance charge of $138,018.79 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/17/2026 |  | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 09:03 | 2026-04-17 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Upon further review Undiscounted rate is not required. Finding resolved. - Due Diligence Vendor-04/17/2026 <br> Counter-xxxxxx provided does not reflect a discounted rate. Please provide. - Due Diligence Vendor-03/23/2026 <br> Open-Undiscounted Rate is Missing -----Missing value of undiscounted rate or starting adjusted rate, please provide. Upon receipt and re-testing, High-Cost findings may resolve. - Due Diligence Vendor-03/05/2026 |  | Resolved-Upon further review Undiscounted rate is not required. Finding resolved. - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 08:29 | 2026-04-17 08:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $233,688.11. The disclosed total of payments of $232,986.29 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-04/17/2026 |  | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 08:29 | 2026-04-17 08:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 <br>Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $233,688.11. The disclosed total of payments charge of $232,986.29 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/17/2026 |  | Resolved-Upon further review, PPFC data corrected - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 12:32 | 2026-04-07 15:51 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Provide acceptable confirmation of ownership in business. Received B2s Certificate of Trade Name. Provide acceptable confirmation of ownership in business. - Due Diligence Vendor-04/07/2026 <br> Counter-Received B1s fishing license. Provide acceptable confirmation of ownership in business. Received B2s Certificate of Trade Name. Provide acceptable confirmation of ownership in business. - Due Diligence Vendor-03/16/2026 <br> Open-Missing documentation to show B1 and B2 are both 100% owners of their respective businesses. (i.e. CPA letter or operating agreement) - Due Diligence Vendor-03/06/2026 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Provide acceptable confirmation of ownership in business. Received B2s Certificate of Trade Name. Provide acceptable confirmation of ownership in business. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 | FICO = 719 Min FICO = 660<br> DTI = 43.93% - Max DTI = 50% | 856901_Email - Waive.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 12:20 | 2026-03-25 12:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Data tree confirming no ownership. - Due Diligence Vendor-03/25/2026 <br> Counter-Received fraud report. Missing supporting documentation confirm B2 does not have ownership in xxxxxx - Due Diligence Vendor-03/16/2026 <br> Open-Fraud Report Shows Uncleared Alerts Possible property ownership match for B2, property on xxxxxx, no evidence provided to show no ownership (property report). Letter in file stating they have no ownership does not suffice since the name is a match on the fraud report. If owned then applicable PITIA must be considered. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received Data tree confirming no ownership. - Due Diligence Vendor-03/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 10:14 | 2026-03-11 07:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($165.00) exceed the comparable charges ($147.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fees) increased by $18 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 $165, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856901 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 13:28 | 2026-03-06 12:40 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Required Income Documentation for Bank Statement Program | Waived-Client exception granted to allow combo business and personal bank statements. Non-material waiver applied with comp factors. Deemed non-material due to income still falls under the same qualifying guidelines and used 50% expense factor for B2. - Due Diligence Vendor-03/06/2026 <br> Open-B1 using business bank statements and B2 using personal bank statements - Due Diligence Vendor-03/06/2026 |  | Waived-Client exception granted to allow combo business and personal bank statements. Non-material waiver applied with comp factors. Deemed non-material due to income still falls under the same qualifying guidelines and used 50% expense factor for B2. - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 | Low LTV<br> 61 months reserves (actual 84)<br> Payment decreasing<br> Excellent FICO scores |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856929 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 15:33 | 2026-04-28 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-xxxxxx unit xxxxxx project with no HOA. Self-managed project. - Due Diligence Vendor-01/13/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire Document is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-01/09/2026 |  | Resolved-xxxxxx unit xxxxxx project with no HOA. Self-managed project. - Due Diligence Vendor-01/13/2026 | LTV is less than guideline maximum - LTV 62.50%. Allowed LTV 75%. Required is 75 Borrower has 62.5<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 719; guidelines require 660. Required is 660 Borrower has 719 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856929 | xxxxxx D A | Closed | xxxxxx | 2026-01-09 15:49 | 2026-01-13 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-xxxxxx unit xxxxxx project with no HOA. Master policy not required. HOI policy provided has sufficient coverage. - Due Diligence Vendor-01/13/2026 <br> Open-Missing Condo Master Insurance Policy Condo Master Insurance Policy is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-01/09/2026 |  | Resolved-xxxxxx unit xxxxxx project with no HOA. Master policy not required. HOI policy provided has sufficient coverage. - Due Diligence Vendor-01/13/2026 | LTV is less than guideline maximum - LTV 62.50%. Allowed LTV 75%. Required is 75 Borrower has 62.5<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 719; guidelines require 660. Required is 660 Borrower has 719 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856930 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 05:07 | 2026-01-22 13:51 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-01/22/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The loan file contains a xxxxxx LCA however no score was given. Please provide an acceptable secondary review product supporting the appraised value. - Due Diligence Vendor-01/14/2026 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-01/22/2026 | LTV is less than guideline maximum - LTV 67.42%. Allowed LTV 70%<br>Months Reserves exceed minimum required - 96.49 months reserves; 2 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856933 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856935 | xxxxxx C A | Closed | xxxxxx | 2026-01-09 10:18 | 2026-04-30 18:40 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH Form. - Due Diligence Vendor-04/30/2026 <br>Open-Foreign National but the ACH form is Missing from file. Missing from loan file. Required per guidelines - Due Diligence Vendor-01/09/2026 |  | Resolved-Received ACH Form. - Due Diligence Vendor-04/30/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Months Reserves exceed minimum required - Min 0, actual 7.79 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856972 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856992 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 18:01 | 2026-01-30 13:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated 1003, 1008, and xxxxxx assets stmt - Due Diligence Vendor-01/30/2026 <br> Open-Audited Reserves of 1.36 month(s) are less than Guideline Required Reserves of 2 month(s) Audited Reserves of 1.37 month(s) are less than Guideline Required Reserves of 2 month(s). provide sufficient asset to support all reserves required. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received updated 1003, 1008, and xxxxxx assets stmt - Due Diligence Vendor-01/30/2026 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement >than 30 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727<br>Long term residence - Long term residence for 4 years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856992 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 10:03 | 2026-01-30 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/30/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR for B2. - Due Diligence Vendor-01/25/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/30/2026 | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement >than 30 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727<br>Long term residence - Long term residence for 4 years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857001 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 10:56 | 2026-03-16 13:25 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter provided. - Due Diligence Vendor-03/16/2026 <br> Counter-Document provided is VOM that does not reflect add xxxxxx, missing Rent Free letter from wife - Due Diligence Vendor-02/23/2026 <br> Counter-Received VOM that confirm web payments to xxxxxx reflecting on bank statements. (#2 met) Missing 1. Guarantor application confirms Brws home address as xxxxxx and Brw stated in Declarations that he does not own this home. Mtg stmt provided for this property shows only 1 Brw- xxxxxx (wife). Provide a Rent Free LOE to document no housing payments for last 12 months. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. VOM attached - Seller-02/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Guarantor application confirms Brws home address as xxxxxx and Brw stated in Declarations that he does not own this home. Mtg stmt provided for this property shows only 1 Brw- xxxxxx (wife). Provide a Rent Free LOE to document no housing payments for last 12 months. <br> 2. The subject properties 1st lien is part of a cross collateral mtg - subject property will be released after closing. 12 mo VOM required (partial payoff shows the xxxxxx as xxxxxx and 12 mos of biz bank stmts were provided - but unable to tie payments from stmts to this xxxxxx Mtg). - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. VOM attached - Seller-02/18/2026<br>| Resolved-Rent free letter provided. - Due Diligence Vendor-03/16/2026 | Months Reserves exceed minimum required - Reserves 51 months.<br> Credit history exceeds minimum required - 24+ months of on time mtg payments reporting for xxxxxx. |  | xxxxxx - vom.pdf<br> 857001 LOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857001 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 10:24 | 2026-03-03 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC for borrower and vested entity xxxxxx - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. OFAC for Borrower and Vested Entity attached<br>- Buyer-03/02/2026 <br> Counter-Received OFAC for First Title and Escrow but it is labeled as xxxxxx. Missing OFAC for Borrower and Vested Entity. - Due Diligence Vendor-02/27/2026 <br> Counter-Received clear OFAC on title agent. Missing clear OFAC on title company - Due Diligence Vendor-02/25/2026 <br> Ready for Review-see attached last document uploaded. - Buyer-02/23/2026 <br> Counter-Received background check for borrower and vested entity. Missing OFAC clearance for title, title agent. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. background report attached<br>- Buyer-02/18/2026 <br> Counter-Received a Company report for xxxxxx. Review of Fraud report did not include the review of participants associated with transaction. Finding remains. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. see attached - Buyer-02/12/2026 <br> Counter-Received duplicate documentation. Please address original finding. - Due Diligence Vendor-01/28/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Company report for xxxxxx in file - but All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/20/2026 |  | Resolved-Received OFAC for borrower and vested entity xxxxxx - Due Diligence Vendor-03/03/2026 | Months Reserves exceed minimum required - Reserves 51 months.<br> Credit history exceeds minimum required - 24+ months of on time mtg payments reporting for xxxxxx. |  | xxxxxx - company report.pdf<br> xxxxxx - background report - xxxxxx.pdf<br> xxxxxx OFAC.pdf<br> xxxxxx xxxxxx OFAC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857001 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 10:24 | 2026-03-03 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC. - Due Diligence Vendor-02/06/2026 <br> Counter-Received duplicate documentation. Please address original finding. - Due Diligence Vendor-01/28/2026 <br> Open-OFAC Check Not Completed and/or Cleared OFAC SDN screening is required for all transaction participants. Company report for xxxxxx is in file - but OFAC check was only completed for xxxxxx and xxxxxx. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received OFAC. - Due Diligence Vendor-02/06/2026 | Months Reserves exceed minimum required - Reserves 51 months.<br> Credit history exceeds minimum required - 24+ months of on time mtg payments reporting for xxxxxx. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857002 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 14:49 | 2026-01-23 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received Loan Agreement/Term Sheet Doc - Due Diligence Vendor-01/23/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Loan Agreement/Term Sheet Doc is missing. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Loan Agreement/Term Sheet Doc - Due Diligence Vendor-01/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704 Required is 660 Borrower has 704<br>Months Reserves exceed minimum required - required 6 motnhs borrower has 54 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857018 | xxxxxx C B A | Closed | xxxxxx | 2026-01-13 13:29 | 2026-01-13 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow garage was converted and unknown if permit was filed, Non-material waiver applied with comp factors. Waiver applied to non-material finding. Appraiser did not give value to conversion of garage. Cost to cure is less than $2,000 and no value was given to the conversion. - Due Diligence Vendor-01/13/2026 <br> Open-Property Issues are identified for the property Exception in file The garage was converted into a family room per the appraisal but it is unknown if a building permit was filed for this conversion. - Due Diligence Vendor-01/13/2026 |  | Waived-Client exception granted to allow garage was converted and unknown if permit was filed, Non-material waiver applied with comp factors. Waiver applied to non-material finding. Appraiser did not give value to conversion of garage. Cost to cure is less than $2,000 and no value was given to the conversion. - Due Diligence Vendor-01/13/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0 Borrower has 1.152<br>LTV is less than guideline maximum - Required is 70 Borrower has 46.34 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR >1.15<br> Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857136 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857142 | xxxxxx C A | Closed | xxxxxx | 2026-01-06 22:39 | 2026-01-16 10:39 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-01/16/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation. Receipt in file reflects payment made for CDA however CDA not provided. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-01/16/2026 | Months Reserves exceed minimum required - 3 required, 6 available<br>Credit history exceeds minimum required - Borrower has 8 open accounts reporting with the oldest trade opened 11/04/2019. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857168 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857171 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857176 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857187 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857206 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 12:40 | 2026-01-16 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Borrower Drivers License - Due Diligence Vendor-01/16/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing ID. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received Borrower Drivers License - Due Diligence Vendor-01/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.192 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857211 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857245 | xxxxxx B A | Closed | xxxxxx | 2026-02-06 10:02 | 2026-02-06 16:28 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 <br> Open-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/06/2026 |  | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - LTV 68.42 max 80%. Required is 80 Borrower has 68.42<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726 min score 700. Required is 700 Borrower has 726 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 857258 | xxxxxx D B A | Closed | xxxxxx | 2026-02-05 10:54 | 2026-02-23 13:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing credit report | Waived-Client provided a waiver Credit Report dated 91 days of Note date with acceptable post closing report provided, applied to non material finding with comp factors - Due Diligence Vendor-02/23/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Buyer-02/20/2026 <br> Counter-Received Credit Report dated 10/24/25, 91 days from Note date, does not meet GL section 9. Original finding remains - Due Diligence Vendor-02/19/2026 <br> Open-Missing original credit report. Credit report provided is after the note date. - Due Diligence Vendor-02/05/2026 |  | Waived-Client provided a waiver Credit Report dated 91 days of Note date with acceptable post closing report provided, applied to non material finding with comp factors - Due Diligence Vendor-02/23/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.278 Required is 0.75 Borrower has 1.278<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 Required is 80 Borrower has 65 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 857272 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 13:34 | 2026-01-14 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/14/2026 <br> Open-The required spousal consent to pledge form is missing. not provided - Due Diligence Vendor-01/08/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/14/2026 | Months Reserves exceed minimum required - 6 months required. 17 months in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857285 | xxxxxx D A | Closed | xxxxxx | 2026-02-06 06:41 | 2026-03-04 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Unanimous Written Consent for the borrower to sign on behalf of the trust was located in the loan file. Co-owner signed the guaranty agreement as required by the guidelines. - Due Diligence Vendor-03/04/2026 <br> Counter-Received 2 applications. One for xxxxxx showing as 50% of xxxxxx and xxxxxx xxxxxx xxxxxx identified as Borrower #2 with 50% owner ship. Document signed by Non Borrower. Additional owner did not sign DOT. Additional findings may apply. - Due Diligence Vendor-02/26/2026 <br> Counter-Review is unable to locate executed commercial loan application. Please provide. - Due Diligence Vendor-02/15/2026 <br> Counter-Received complete loan file. Review of loan file did not reveal an executed initial nor final 1003. - Due Diligence Vendor-02/11/2026 <br> Open-Missing initial and final 1003 - Due Diligence Vendor-02/06/2026 |  | Resolved-Unanimous Written Consent for the borrower to sign on behalf of the trust was located in the loan file. Co-owner signed the guaranty agreement as required by the guidelines. - Due Diligence Vendor-03/04/2026 | Months Reserves exceed minimum required - 170 mths reserves; 9 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857285 | xxxxxx D A | Closed | xxxxxx | 2026-02-05 16:11 | 2026-02-27 12:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval provided. - Due Diligence Vendor-02/27/2026 <br> Counter-For clarification: loan summary, loan term or loan commitment are acceptable in lieu of 1008 or Approval - Due Diligence Vendor-02/15/2026 <br> Counter-Received complete loan file. Review of loan file did not reveal 1008/Approval. - Due Diligence Vendor-02/11/2026 <br> Open-Missing Approval/Underwriting Summary Missing 1008/Approval - Due Diligence Vendor-02/05/2026 |  | Resolved-Approval provided. - Due Diligence Vendor-02/27/2026 | Months Reserves exceed minimum required - 170 mths reserves; 9 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857285 | xxxxxx D A | Closed | xxxxxx | 2026-02-06 06:20 | 2026-02-26 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-For this lender the Certification of Occupancy and Commercial loan doc can be accepted as the business purpose affidavit. - Due Diligence Vendor-02/26/2026 <br> Counter-Received Certification of Occupancy. Business Purpose Affidavit is required for Cash out loans. - Due Diligence Vendor-02/11/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Subject is a cash out, business purpose affidavit is required - Due Diligence Vendor-02/06/2026 |  | Resolved-For this lender the Certification of Occupancy and Commercial loan doc can be accepted as the business purpose affidavit. - Due Diligence Vendor-02/26/2026 | Months Reserves exceed minimum required - 170 mths reserves; 9 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857314 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857324 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857338 | xxxxxx B A | Closed | xxxxxx | 2026-03-02 09:17 | 2026-03-02 09:17 | 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-03/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857372 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 09:28 | 2026-01-23 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Sales contract received. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. Uploaded purchase contract all pages - Seller-01/23/2026 <br>Open-Missing all pages to contract, only addendum provided. Additional conditions may apply - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Uploaded purchase contract all pages - Seller-01/23/2026<br>| Resolved-Sales contract received. - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 8 Months Reserves exceed 0 minimum required<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | xxxxxx - Purchase Contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857372 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 12:57 | 2026-01-23 17:06 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-After further review, the builder can be in control of the HOA as long as there is a proposed turnover. Proposed turnover is 90% sold. xxxxxx total units, xxxxxx sold. - Due Diligence Vendor-01/23/2026 <br> Open-Builder is in control of HOA New construction will be released at 90% of sold capactiy - Due Diligence Vendor-01/23/2026 |  | Resolved-After further review, the builder can be in control of the HOA as long as there is a proposed turnover. Proposed turnover is 90% sold. xxxxxx total units, xxxxxx sold. - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 8 Months Reserves exceed 0 minimum required<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 15:34 | 2026-02-11 09:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Subject is a rate/term - 12 months seasoning applies to non-first lien mortgages. - Due Diligence Vendor-02/11/2026 <br> Counter-Review considered as cash out as 1st liens are not seasoned 12 months as required per guidelines 8.2. Finding remains. - Due Diligence Vendor-02/05/2026 <br> Open-Treating as C\O, borrower paying off lien from xxxxxx and has owned property since xxxxxx, unable to determine if lien was construction loan or just c\o. - Due Diligence Vendor-01/23/2026 |  | Resolved-Subject is a rate/term - 12 months seasoning applies to non-first lien mortgages. - Due Diligence Vendor-02/11/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 15:35 | 2026-02-11 09:28 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Notarized xxxxxx and certified copy all dated 2026. - Due Diligence Vendor-02/11/2026 <br> Counter-Received lien release. Discharge Notice is dated xxxxxx notarized xxxxxx Docket number matches lien. Closing attorney to confirm acceptance and provide receipt of payment due to discrepancy of date. - Due Diligence Vendor-02/05/2026 <br> Open-Property Title Issue Missing proof the following lien has ben satisfied - xxxxxx vs. xxxxxx<br> Lien Amount: xxxxxx Dated: xxxxxx - Due Diligence Vendor-01/23/2026 |  | Resolved-Notarized xxxxxx and certified copy all dated xxxxxx. - Due Diligence Vendor-02/11/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 10:03 | 2026-02-05 13:11 | Resolved | 1 - Information C A | Credit | Borrower | Borrower or Co Borrower Citizenship is Unknown | Resolved-Received xxxxxx passport. - Due Diligence Vendor-02/05/2026 <br> Open-Application states "No" to all the questions regarding xxxxxx, perm and non-perm resident, and foreign national. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received xxxxxx passport. - Due Diligence Vendor-02/05/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 10:28 | 2026-02-05 13:09 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval. - Due Diligence Vendor-02/05/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/23/2026 |  | Resolved-Received loan approval. - Due Diligence Vendor-02/05/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 15:23 | 2026-02-05 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report reflecting all parties searched. - Due Diligence Vendor-02/05/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/23/2026 |  | Resolved-Received complete fraud report reflecting all parties searched. - Due Diligence Vendor-02/05/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 15:23 | 2026-02-05 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received complete fraud report reflecting all parties searched. - Due Diligence Vendor-02/05/2026 <br>Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/23/2026 |  | Resolved-Received complete fraud report reflecting all parties searched. - Due Diligence Vendor-02/05/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857431 | xxxxxx D A | Closed | xxxxxx | 2026-01-20 09:05 | 2026-01-28 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Upon further review, IEADS is not a required document. - Due Diligence Vendor-01/28/2026 <br>Open-Missing IEADS - Due Diligence Vendor-01/23/2026 |  | Resolved-Upon further review, IEADS is not a required document. - Due Diligence Vendor-01/28/2026 | On time mortgage history exceeds guideline requirement - 46 months on time mortgage history exceeds 12 months guideline requirement<br>Months Reserves exceed minimum required - 100 months of reserves exceeds 12 months required per guides |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:11 | 2026-02-17 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026 <br> Counter-Received Appraisal for xxxxxx to document HOA and Tax bill that confirm 2 lots to document taxes. Missing PI terms for xxxxxx closed concurrently. - Due Diligence Vendor-02/12/2026 <br> Open-Missing verification of taxes, for non-subject property REO xxxxxx (primary).<br> Missing verification of taxes, insurance, and/or HOA fees for non-subject property for REO xxxxxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:20 | 2026-02-15 16:18 | Resolved | 1 - Information B A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026 <br>Open-Pre-Payment Penalty Term is present but Maximum Pre-Payment Penalty Amount is 0 Prepayment Penalty Addendum is missing the Prepayment Penalty Amount. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:45 | 2026-02-05 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026 <br> Counter-Received 1008 reflecting not cross collateral. Only portion of loan paid at closing. Original finding remains. - Due Diligence Vendor-02/04/2026 <br> Open-Loan does not conform to program guidelines. Loan closing closing concurrently with an additional property paying off entire mortgage and subject loan is rate and term and should be considered cash out. Provide clarification for Cross- collateralization. - Due Diligence Vendor-01/29/2026 |  | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 08:29 | 2026-02-04 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 <br> Open-Missing HUD-1 Closing Statement for loan closing concurrently xxxxxx (due to both loans are paying off the first lien). - Due Diligence Vendor-01/29/2026 |  | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857445 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857447 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 14:41 | 2026-01-14 17:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-The flood cert indicated the property is not mapped but indicates it is not in a flood zone. - Due Diligence Vendor-01/14/2026 <br>Open-Flood Certificate is Partially Provided Subject property is not mapped. Notice of Property NOT IN Special Flood Hazard Area (SFHA) - Due Diligence Vendor-01/07/2026 |  | Resolved-The flood cert indicated the property is not mapped but indicates it is not in a flood zone. - Due Diligence Vendor-01/14/2026 | Months Reserves exceed minimum required - 13.29 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 722; guidelines require 700. Required is 700 Borrower has 722 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857447 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 15:10 | 2026-01-12 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller Settlement Statement. - Due Diligence Vendor-01/12/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received Seller Settlement Statement. - Due Diligence Vendor-01/12/2026 | Months Reserves exceed minimum required - 13.29 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 722; guidelines require 700. Required is 700 Borrower has 722 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857511 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 13:41 | 2026-01-27 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-01/27/2026 <br>Open-The Final SELLER CD/HUD is missing. not provided - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-01/27/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712 Required is 660 Borrower has 712 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857513 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857523 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857537 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857542 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857596 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 17:12 | 2026-02-18 15:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-PTIN letter provided confirming percentage of ownership. PTIN is not allowed on the P&L program, but is allowed to verify a borrower's percentage of ownership for assets. - Due Diligence Vendor-02/18/2026 <br> Counter-Received PTIN verification for CPA letter. Guidline identifies PTIN qualifications as "there are no qualifications to obtain a PTIN, it's simply used for preparer identification". PTIN not allowed. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/17/2026 <br> Counter-Received CPA letter confirming 99% ownership. Missing verification of Tax professional License. - Due Diligence Vendor-02/12/2026 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing proof of borrower ownership for xxxxxx xxxxxx - Due Diligence Vendor-02/09/2026 |  | Resolved-PTIN letter provided confirming percentage of ownership. PTIN is not allowed on the P&L program, but is allowed to verify a borrower's percentage of ownership for assets. - Due Diligence Vendor-02/18/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 68.22 Required is 80 Borrower has 68.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 809 Required is 640 Borrower has 809 |  | xxxxxx - xxxxxx xxxxxx Tax Preparer.pdf<br> xxxxxx - xxxxxx xxxxxx Tax Preparer.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857596 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 16:55 | 2026-02-15 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Received Assignment of Rents Rider. - Due Diligence Vendor-02/15/2026 <br>Open-Missing Assignment of Leases and Rents Rider - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Assignment of Rents Rider. - Due Diligence Vendor-02/15/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 68.22 Required is 80 Borrower has 68.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 809 Required is 640 Borrower has 809 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 857598 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 15:19 | 2026-02-18 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Second full appraisal provided. - Due Diligence Vendor-02/18/2026 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Desk review is not based on the appraisal in the loan file. Appears there was an appraisal completed dated xxxxxx that is not in the loan file. Provide appraisal dated xxxxxx that corresponds with the information on the desk review. Additional findings may apply. - Due Diligence Vendor-01/25/2026 |  | Resolved-Second full appraisal provided. - Due Diligence Vendor-02/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 721 and minimum allowed is is 700 Required is 680 Borrower has 721<br>LTV is less than guideline maximum - LTV is 64.83% and max allowed is 70% Required is 70 Borrower has 64.83 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857598 | xxxxxx D A | Closed | xxxxxx | 2026-01-23 10:58 | 2026-02-18 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Subject project has only xxxxxx units, HOA cert. not required - Due Diligence Vendor-01/26/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-01/23/2026 |  | Resolved-Subject project has only xxxxxx units, HOA cert. not required - Due Diligence Vendor-01/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 721 and minimum allowed is is 700 Required is 680 Borrower has 721<br>LTV is less than guideline maximum - LTV is 64.83% and max allowed is 70% Required is 70 Borrower has 64.83 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857598 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 09:20 | 2026-01-26 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Condo Rider | Resolved-Condo language within the mortgage. - Due Diligence Vendor-01/26/2026 <br>Open-Missing Condo Rider<br> - Due Diligence Vendor-01/25/2026 |  | Resolved-Condo language within the mortgage. - Due Diligence Vendor-01/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 721 and minimum allowed is is 700 Required is 680 Borrower has 721<br>LTV is less than guideline maximum - LTV is 64.83% and max allowed is 70% Required is 70 Borrower has 64.83 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857649 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 15:19 | 2026-02-12 15:00 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-02/12/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/23/2026 |  | Resolved-Received 1008 - Due Diligence Vendor-02/12/2026 | On time mortgage history exceeds guideline requirement - 17 and 35 months mortgage history exceeds 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857649 | xxxxxx C A | Closed | xxxxxx | 2026-01-23 15:09 | 2026-02-11 13:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Bank Statement confirming deposits cleared. - Due Diligence Vendor-02/11/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Deposits were pending as of the date of the statement. Provide evidence that the deposits cleared as these funds are required for closing. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received Bank Statement confirming deposits cleared. - Due Diligence Vendor-02/11/2026 | On time mortgage history exceeds guideline requirement - 17 and 35 months mortgage history exceeds 0x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857716 | xxxxxx D A | Closed | xxxxxx | 2026-01-22 17:54 | 2026-01-28 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report for Borrower and Co-borrower. - Due Diligence Vendor-01/28/2026 <br>Open-Third Party Fraud Report Partially Provided Borrower and Co-borrower information is not completed on the fraud report. Subject to additional conditions - Due Diligence Vendor-01/22/2026 |  | Resolved-Received Fraud Report for Borrower and Co-borrower. - Due Diligence Vendor-01/28/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857733 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 10:52 | 2026-03-03 10:54 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx title vested in an entity. Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-03/03/2026 <br> Open-prepay in xxxxxx - Due Diligence Vendor-03/03/2026 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx title vested in an entity. Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-03/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 857733 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 08:49 | 2026-03-02 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated fraud report provided. - Due Diligence Vendor-03/02/2026 <br> Counter-Fraud report provided did not include the Settlement Company/Agent, xxxxxx, borrowers company - Due Diligence Vendor-02/05/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists The Seller's name and the borrowing entity LLC vested on title were not checked with Exclusionary Lists. Additional conditions may apply. - Due Diligence Vendor-01/26/2026 |  | Resolved-Updated fraud report provided. - Due Diligence Vendor-03/02/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857733 | xxxxxx C B A | Closed | xxxxxx | 2026-01-23 17:29 | 2026-03-02 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Updated fraud report provided. - Due Diligence Vendor-03/02/2026 <br> Counter-Fraud report provided did not include the Settlement Company/Agent, xxxxxx, borrowers company - Due Diligence Vendor-02/05/2026 <br> Open-OFAC Check Not Completed and/or Cleared The Seller's name and the borrowing entity LLC vested on title were not ran through OFAC. Additional conditions may apply. - Due Diligence Vendor-01/23/2026 |  | Resolved-Updated fraud report provided. - Due Diligence Vendor-03/02/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857756 | xxxxxx C B A | Closed | xxxxxx | 2026-03-02 15:27 | 2026-03-12 12:19 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client provided a waiver for use of self-employment bank statements on business owned 7.62% and remaining owned by borrowers other business, applied to non material finding with comp factors - Due Diligence Vendor-03/12/2026 <br> Counter-Received originator exception approval. Missing Client Exception approval. - Due Diligence Vendor-03/10/2026 <br> Open-Income and Employment Do Not Meet Guidelines Borrower has only 7.62% equity in xxxxxx, Bank statement guidelines require 25% interest in the business. - Due Diligence Vendor-03/04/2026 |  | Waived-Client provided a waiver for use of self-employment bank statements on business owned 7.62% and remaining owned by borrowers other business, applied to non material finding with comp factors - Due Diligence Vendor-03/12/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 99 Months Required = 12 months<br>Long term residence - Long Term Residence = 10+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 12+ Years – Minimum = 2 Years | LTV 10% or more below<br> Self-employment > 10 years<br> Credit: 30+ points above required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857798 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857802 | xxxxxx D B A | Closed | xxxxxx | 2026-01-24 22:35 | 2026-02-05 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI Policy. - Due Diligence Vendor-02/05/2026 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy is Missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-01/25/2026 |  | Resolved-Received HOI Policy. - Due Diligence Vendor-02/05/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.029<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857802 | xxxxxx D B A | Closed | xxxxxx | 2026-01-20 09:27 | 2026-01-30 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-01/30/2026 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value 24 months and Per Note Terms are 36 months. - Due Diligence Vendor-01/25/2026 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-01/30/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.029<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857802 | xxxxxx D B A | Closed | xxxxxx | 2026-01-24 22:46 | 2026-01-26 10:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client exception granted to allow a PPP in xxxxxx on an LLC, Non-material waiver applied with comp factors. non-material due to 1.029 DSCR, 70% LTV, 700 Fico and 511.22 months reserves. - Due Diligence Vendor-01/26/2026 <br> Open-Prepayment Penalty is not allowed. Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-01/25/2026 |  | Waived-Client exception granted to allow a PPP in xxxxxx on an LLC, Non-material waiver applied with comp factors. non-material due to 1.029 DSCR, 70% LTV, 700 Fico and 511.22 months reserves. - Due Diligence Vendor-01/26/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.029<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857803 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 16:08 | 2026-01-28 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender has confirmed the discrepancy and that the Note was correct. - Due Diligence Vendor-01/28/2026 <br> Counter-Received Note "3 year prepay and the loan tape reflecting 24 is incorrect.". Missing corrected NOTE. - Due Diligence Vendor-01/28/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. per the note the PPP is for 36 months - Due Diligence Vendor-01/26/2026 |  | Resolved-Lender has confirmed the discrepancy and that the Note was correct. - Due Diligence Vendor-01/28/2026 | LTV is less than guideline maximum - LTV 70%. Allowed LTV 75% Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 660. Required is 660 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857803 | xxxxxx C B A | Closed | xxxxxx | 2026-01-26 16:29 | 2026-01-26 16:30 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026 <br> Open-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026 |  | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026 | LTV is less than guideline maximum - LTV 70%. Allowed LTV 75% Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 761; guidelines require 660. Required is 660 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857804 | xxxxxx D B A | Closed | xxxxxx | 2026-01-23 14:40 | 2026-02-25 17:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title provided with correct loan amount. Chain of title on fraud report, last transfer xxxxxx. - Due Diligence Vendor-02/25/2026 <br> Counter-No document provided. File is missing complete report. Additional findings may apply. - Due Diligence Vendor-02/05/2026 <br> Open-Title Document is missing Missing full title report reflecting a full 24 month chain of title. Additional conditions may apply. - Due Diligence Vendor-01/23/2026 |  | Resolved-Title provided with correct loan amount. Chain of title on fraud report, last transfer xxxxxx. - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857804 | xxxxxx D B A | Closed | xxxxxx | 2026-01-23 14:40 | 2026-01-26 15:34 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026 <br> Open-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC \*\*\*If closed in an LLC. - Due Diligence Vendor-01/23/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/26/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 857865 | xxxxxx B A | Closed | xxxxxx | 2026-01-16 15:27 | 2026-01-23 11:03 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Lender Final Loan Approval. - Due Diligence Vendor-01/23/2026 <br>Open-Missing Approval/Underwriting Summary Approval/Underwriting Summary Not Provided. - Due Diligence Vendor-01/16/2026 |  | Resolved-Received Lender Final Loan Approval. - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 9.06 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 693 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857894 | xxxxxx D A | Closed | xxxxxx | 2026-02-04 11:45 | 2026-02-10 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-After further review, Loan Originator signed original 1003 - not required to sign Final 1003 - Due Diligence Vendor-02/10/2026 <br>Counter-Received 1003. Missing signature and date of Originator. - Due Diligence Vendor-02/06/2026 <br>Open-Missing final signed application - Due Diligence Vendor-02/04/2026 |  | Resolved-After further review, Loan Originator signed original 1003 - not required to sign Final 1003 - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Required is 700 Borrower has 764<br>Months Reserves exceed minimum required - required 3 months \| has 8 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857894 | xxxxxx D A | Closed | xxxxxx | 2026-02-04 09:59 | 2026-02-06 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final Seller CD. Confirmed lien paid to xxxxxx on title. - Due Diligence Vendor-02/06/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received Final Seller CD. Confirmed lien paid to xxxxxx on title. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Required is 700 Borrower has 764<br>Months Reserves exceed minimum required - required 3 months \| has 8 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857894 | xxxxxx D A | Closed | xxxxxx | 2026-02-04 09:25 | 2026-02-06 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure received. - Due Diligence Vendor-02/06/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose and Occupancy Affidavit not provided - Due Diligence Vendor-02/04/2026 |  | Resolved-The Business Purpose Affidavit Disclosure received. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 Required is 700 Borrower has 764<br>Months Reserves exceed minimum required - required 3 months \| has 8 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857899 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857927 | xxxxxx C A | Closed | xxxxxx | 2026-01-26 16:36 | 2026-01-28 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender has confirmed the Note is accurate. - Due Diligence Vendor-01/28/2026 <br>Counter-Received note from lender "I have confirmed this is a 3 year prepay and the loan tape reflecting 24 is incorrect.". Missing corrected Note. - Due Diligence Vendor-01/28/2026 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Note reflects 36 months PPP. - Due Diligence Vendor-01/26/2026 |  | Resolved-Lender has confirmed the Note is accurate. - Due Diligence Vendor-01/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708<br>LTV is less than guideline maximum - LTV 64.96%. Allowed LTV 75% Required is 75 Borrower has 64.96<br>Months Reserves exceed minimum required - 76.72 months reserves; 6 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857976 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858020 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858029 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 17:46 | 2026-01-29 12:37 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-After further review, only national banks or Federal savings association are required to provide the Notice. - Due Diligence Vendor-01/29/2026 <br> Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-01/21/2026 |  | Resolved-After further review, only national banks or Federal savings association are required to provide the Notice. - Due Diligence Vendor-01/29/2026 | Months Reserves exceed minimum required - 13.84 months reserves; 9 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 727; guidelines require 700. Required is 700 Borrower has 727 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858089 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 11:06 | 2026-03-05 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Income worksheet provided. - Due Diligence Vendor-03/05/2026 <br>Counter-Received note bank statement worksheet attached. Review did not receive. Please re upload. - Due Diligence Vendor-03/05/2026 <br>Counter-Received Lender note in excel indicates "B1 bank statement worksheet attached.". No new document attached.<br> - Due Diligence Vendor-03/03/2026 <br>Counter-Received Bank Statement Worksheet. Pending clarification of deposits noted on alternate finding. - Due Diligence Vendor-02/24/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-02/12/2026 |  | Resolved-Income worksheet provided. - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Comp factor Required is 700 Borrower has 787<br>Qualifying DTI below maximum allowed - Comp factor Required is 50 Borrower has 44.97 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858089 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 14:02 | 2026-03-05 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-After further review, large deposits exceeding 100% of the average monthly sales for the business must be excluded. The average monthly deposits for the business are $12,164.35 and none of the deposits exceed this amount. - Due Diligence Vendor-03/05/2026 <br> Counter-Received Income worksheet. Explanation of noted deposits in finding were not explained. - Due Diligence Vendor-02/24/2026 <br> Open-Auditor included the following large deposits that will need to be sourced as business income:<br> 1. $7084.84 Deposit made 06/04/25 into business bank account for xxxxxx.<br> 2. $9874.59 Deposit made 07/02/25 into business bank account for xxxxxx.<br> 3. $8821.38 Deposit made 08/04/25 into business bank account for xxxxxx.<br> 4. $11383.67 Deposit made 09/02/25 into business bank account for xxxxxx.<br> 5. $8535.98 Deposit made 10/01/25 into business bank account for xxxxxx.<br> 6. $7114.00 Deposit made 11/03/25 into business bank account for xxxxxx.<br> 7. $8930.51 Deposit made 12/01/25 into business bank account for xxxxxx. - Due Diligence Vendor-02/12/2026 |  | Resolved-After further review, large deposits exceeding 100% of the average monthly sales for the business must be excluded. The average monthly deposits for the business are $12,164.35 and none of the deposits exceed this amount. - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Comp factor Required is 700 Borrower has 787<br>Qualifying DTI below maximum allowed - Comp factor Required is 50 Borrower has 44.97 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 09:31 | 2026-03-19 09:49 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-After further review, this is not a community property state and the borrower is not on title. - Due Diligence Vendor-03/19/2026 <br>Open-Borrower 2 Signature does not match Note DOT Borrower 2 is signed by different individual than Note and 1003 - Due Diligence Vendor-03/04/2026 |  | Resolved-After further review, this is not a community property state and the borrower is not on title. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 10:36 | 2026-03-10 10:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/10/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15,087.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Missing initial LE dated within 3 days of Application date of xxxxxx. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 10:36 | 2026-03-10 10:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/10/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,214.69) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Missing initial LE dated within 3 days of Application date of xxxxxx. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 10:36 | 2026-03-10 10:53 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/10/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-03/04/2026 |  | Resolved-Received Initial LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 10:09 | 2026-03-10 10:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received hc disclosure. Finding resolved. - Due Diligence Vendor-03/10/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date.<br> - Due Diligence Vendor-03/04/2026 |  | Resolved-Received hc disclosure. Finding resolved. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 09:54 | 2026-03-10 10:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial 1003 dated xxxxxx, finding resolved. - Due Diligence Vendor-03/10/2026 <br> Open-The Initial 1003 is Missing Initial 1003 is missing for B1 & B2 - Due Diligence Vendor-03/04/2026 |  | Resolved-Received initial 1003 dated xxxxxx, finding resolved. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858105 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-04 10:09 | 2026-03-04 10:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745<br>Long term residence - Long Term Residence = 15+ years<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – B1 Employed 20+ Years – Minimum = 2 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 858116 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858118 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858119 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858175 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858345 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 15:23 | 2026-02-23 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history for all 3 borrowers. - Due Diligence Vendor-02/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements <br> B1 Missing 12 month housing history on primary home<br> B2 Missing 12 month housing history on primary home. Fraud report shows had mtg of xxxxxx with recent sale of primary home in xxxxxx missing housing history for past months prior up to closing of the subject to complete 12 months.<br> B3 Missing 12 month housing history on primary home - Due Diligence Vendor-02/13/2026 |  | Resolved-Received payment history for all 3 borrowers. - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858345 | xxxxxx C A | Closed | xxxxxx | 2026-02-17 12:13 | 2026-02-17 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed the prepay term is 36 months. Upon further review no additional documentation required. - Due Diligence Vendor-02/17/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Tape shows 24 month PPP however the note indicates a 36 month PPP. - Due Diligence Vendor-02/17/2026 |  | Resolved-The lender confirmed the prepay term is 36 months. Upon further review no additional documentation required. - Due Diligence Vendor-02/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858389 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 17:01 | 2026-03-20 17:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Source of $5,000 deposit provided, income calc updated. DTI is below 50%. - Due Diligence Vendor-03/20/2026 <br> Counter-Received LOX on $20,406.36 deposit. This was from a business account with the same name as the qualifying business. This was a one time transfer to close the other account. DTI is now 50.05%.<br> - Due Diligence Vendor-03/18/2026 <br> Counter-LOE from the borrower provided, stating the deposit of $20,406.36 was a transfer between business accounts. This amount has been excluded and the DTI is now calculating at 56.6% - Due Diligence Vendor-03/13/2026 <br> Open-Audited DTI of 50.05% exceeds Guideline DTI of 50% Maximum DTI on xxxxxx loans is 50%. Audit recalculated income from bank statements results in a DTI of 50.05%. An additional condition for verification/sourcing of deposit for $20,406.38 could cause DTI to exceed further. - Due Diligence Vendor-02/27/2026 |  | Resolved-Source of $5,000 deposit provided, income calc updated. DTI is below 50%. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 52.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858389 | xxxxxx D A | Closed | xxxxxx | 2026-02-28 19:16 | 2026-03-20 17:02 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Source of $5,000 deposit provided, income calc updated. DTI is below 50%. - Due Diligence Vendor-03/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds max of 50% on xxxxxx. <br> Additional condition to verify a transfer in business acct for $20,406.38 - could cause DTI to exceed further. - Due Diligence Vendor-03/01/2026 |  | Resolved-Source of $5,000 deposit provided, income calc updated. DTI is below 50%. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 52.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858389 | xxxxxx D A | Closed | xxxxxx | 2026-02-28 19:38 | 2026-03-13 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE confirming the deposit was a transfer from another business account. Deposit excluded. - Due Diligence Vendor-03/13/2026 <br> Open-Following to be explained/sourced to verify as income in borrower's business account: 3/18/25 $20,406.38. Additional conditions may apply, pending review. - Due Diligence Vendor-03/01/2026 |  | Resolved-Received LOE confirming the deposit was a transfer from another business account. Deposit excluded. - Due Diligence Vendor-03/13/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 52.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858389 | xxxxxx D A | Closed | xxxxxx | 2026-02-28 19:52 | 2026-03-09 10:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-The borrower's receipt of the sale proceeds from documents such as copies of the purchaser's canceled check was provided. - Due Diligence Vendor-03/09/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Additional source documents needed for large deposit 11/17/25 $15,500. LOX indicates sale of xxxxxx. Lender to provide verification of ownership, copy of independent valuation and verification of purchaser. - Due Diligence Vendor-03/01/2026 |  | Resolved-The borrower's receipt of the sale proceeds from documents such as copies of the purchaser's canceled check was provided. - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 52.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858389 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 15:08 | 2026-03-05 11:42 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-03/05/2026 <br>Open-Unsatisfactory Chain of Title provided. Provide 24 month chain of title - Due Diligence Vendor-02/27/2026 |  | Resolved-Received chain of title. - Due Diligence Vendor-03/05/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 52.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858390 | xxxxxx C B A | Closed | xxxxxx | 2026-02-20 14:18 | 2026-03-13 10:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Expired | Resolved-Updated statement provided. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-The xxxxxx statement is an annual statement dated March 6, 2024 to March 6, 2025. The next annual statement will not be available until March 6, 2026, which is after the funding date. xxxxxx. - Due Diligence Vendor-03/13/2026 <br> Counter-Received duplicate expired statement. Obtain an transaction summary from Financial Institution to confirm current balances. - Due Diligence Vendor-02/26/2026 <br> Open-Asset 3 Expired Life insurance policy is outdated, per guidelines provide the most recent statement. Additional findings may apply. - Due Diligence Vendor-02/20/2026 |  | Resolved-Updated statement provided. - Due Diligence Vendor-03/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.76 Required is 50 Borrower has 28.76 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858390 | xxxxxx C B A | Closed | xxxxxx | 2026-02-19 13:46 | 2026-02-19 13:46 | 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-02/19/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non- material finding - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.76 Required is 50 Borrower has 28.76 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 858510 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858534 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858552 | xxxxxx C A | Closed | xxxxxx | 2026-02-05 16:51 | 2026-02-11 13:31 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received recorded copy of QCD - Due Diligence Vendor-02/11/2026 <br> Open-Vested Owner Signature Requirement Not met. Missing QCD from xxxxxx to xxxxxx - Due Diligence Vendor-02/05/2026 |  | Resolved-Received recorded copy of QCD - Due Diligence Vendor-02/11/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785<br>Months Reserves exceed minimum required - required 9 months. has 98 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858600 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858612 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858630 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858631 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858654 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 14:30 | 2026-04-10 09:59 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-04/10/2026 <br> Open-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. - Due Diligence Vendor-04/02/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-04/10/2026  | LTV is less than guideline maximum - Required is 80 Borrower has 55.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.9 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 858654 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 14:30 | 2026-04-09 09:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx changing Payee in Section B. Finding Resolved. - Due Diligence Vendor-04/09/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Credit Report) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/02/2026 |  | Resolved-Received PCCD xxxxxx changing Payee in Section B. Finding Resolved. - Due Diligence Vendor-04/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 55.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.9 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-03 12:00 | 2026-02-24 11:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted to allow rural property. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/24/2026 <br> Counter-AUDIT response - Exception approval was not located in the loan file or previous submissions. Please provide referenced Exception. - Due Diligence Vendor-02/17/2026 <br> Counter-Revised appraisal noted not attached. Please provide noted appraisal with appraiser acknowledgment of why change in initial neighborhood classification. Appraisal in file indicate property is xxxxxx. - Due Diligence Vendor-02/10/2026 <br> Open-Please review the revised appraisal report and clear the condition. xxxxxx - Due Diligence Vendor-02/09/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property not allowed - Due Diligence Vendor-02/03/2026 |  | Waived-Client exception granted to allow xxxxxx property. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/24/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Current primary home ownership > 2 years<br> 0x30 for 24 months on all mortgages |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 10:11 | 2026-02-20 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. - Due Diligence Vendor-02/20/2026 <br> Counter-No new document provided. 1. Previously provided lease for xxxxxx starting xxxxxx. File did not include proof of receipt of rent to document landlord experience. 2. Review of loan file also reveal assets still reflect the address of xxxxxx. LOX needed to clarify why asset documents still going to property that is now a rental. 3. Lender response indicate LOE in file of borrower rent free at xxxxxx since xxxxxx. Review of loan file reveal a rent free letter from Cousin-xxxxxx - residing at xxxxxx from xxxxxx.- Rent free letter for xxxxxx could not be located in original upload. - Due Diligence Vendor-02/17/2026 <br> Counter-Received experience investor for converted property xxxxxx and executed lease starting xxxxxx. However, missing primary housing history supporting 12 month primary housing and clarification as to business and primary assets addressed to xxxxxx. - Due Diligence Vendor-02/13/2026 <br> Counter-Received property profile for xxxxxx. .Property profile indicate property acquired xxxxxx and 1003 confirm property was primary address for 2 years. Borrower to document proof managed a non-owner occupied residential real estate for 1 year. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Lender response: Uploaded Prop Profile - xxxxxx. The borrower is experienced investor as the REO xxxxxx is owned by borrower - Due Diligence Vendor-02/09/2026 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Per guidelines:Borrower does not meet the experienced investor as they have not owned or managed a non-owner occupied residential real estate for 1 year for the last 3 years. This borrower is a first time investor. - Due Diligence Vendor-02/04/2026 |  | Resolved-Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 14:44 | 2026-02-20 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Document Uploaded. Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. Rent free letter provided. - Due Diligence Vendor-02/20/2026 <br> Counter-No new document provided. 1. Previously provided lease for xxxxxx starting xxxxxx. File did not include proof of receipt of rent to document landlord experience. 2. Review of loan file also reveal assets still reflect the address of xxxxxx. LOX needed to clarify why asset documents still going to property that is now a rental. 3. Lender response indicate LOE in file of borrower rent free at xxxxxx since xxxxxx. Review of loan file reveal a rent free letter from Cousin-xxxxxx - residing at xxxxxx from xxxxxx.- Rent free letter for xxxxxx could not be located in original upload. - Due Diligence Vendor-02/17/2026 <br> Counter-Received property profile for xxxxxx. .Property profile indicate property acquired xxxxxx and 1003 confirm property was primary address for 2 years. Borrower to document proof managed a non-owner occupied residential real estate for 1 year. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Lender response: The borrower is experienced investor as the REO xxxxxx is owned by borrower. - Due Diligence Vendor-02/09/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Per guidelines for first time investor credit history lookback is 36 months for any credit event- borrower having one delinquent account for over 150 days. Account close on xxxxxx, past due amount is $318.00 this was not paid at closing. - Due Diligence Vendor-02/04/2026 |  | Resolved-Document Uploaded. Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. Rent free letter provided. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. |  | LOE - RENT FREE xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 15:02 | 2026-02-20 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. Min fico 660. - Due Diligence Vendor-02/20/2026 <br> Counter-No new document provided. 1. Previously provided lease for xxxxxx starting xxxxxx. File did not include proof of receipt of rent to document landlord experience. 2. Review of loan file also reveal assets still reflect the address of xxxxxx. LOX needed to clarify why asset documents still going to property that is now a rental. 3. Lender response indicate LOE in file of borrower rent free at xxxxxx since xxxxxx. Review of loan file reveal a rent free letter from Cousin-xxxxxx - residing at xxxxxx from xxxxxx.- Rent free letter for xxxxxx could not be located in original upload. - Due Diligence Vendor-02/17/2026 <br> Counter-Received property profile for xxxxxx. .Property profile indicate property acquired xxxxxx and 1003 confirm property was primary address for 2 years. Borrower to document proof managed a non-owner occupied residential real estate for 1 year. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Lender response: The borrower is experienced investor as the REO xxxxxx is owned by borrower. - Due Diligence Vendor-02/09/2026 <br> Open-Audited FICO of 674 is less than Guideline FICO of 700 Per first time investor- guidelines requires a min score of 700, qualifying score used is 674 - Due Diligence Vendor-02/04/2026 |  | Resolved-Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. Min fico 660. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 10:11 | 2026-02-20 13:42 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. - Due Diligence Vendor-02/20/2026 <br> Counter-Received experience investor for converted property xxxxxx and executed lease starting xxxxxx. However, missing primary housing history supporting 12 month primary housing and clarification as to business and primary assets addressed to xxxxxx. - Due Diligence Vendor-02/13/2026 <br> Counter-Received property profile for xxxxxx. .Property profile indicate property acquired xxxxxx and 1003 confirm property was primary address for 2 years. Borrower to document proof managed a non-owner occupied residential real estate for 1 year. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Lender response: Open-The Calculated DSCR of '0.844' is less than the minimum DSCR per lender guidelines of '1'. Per first time investor guidelines borrower needs to meet the min DSCR requirement of 1 or greater. Current DSCR is 0.844 - Due Diligence Vendor-02/04/2026 - Due Diligence Vendor-02/09/2026 <br> Open-The Calculated DSCR of '0.844' is less than the minimum DSCR per lender guidelines of '1'. Per first time investor guidelines borrower needs to meet the min DSCR requirement of 1 or greater. Current DSCR is 0.844 - Due Diligence Vendor-02/04/2026 |  | Resolved-Lease provided for xxxxxx beginning xxxxxx. The borrower is not a first time investor. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-03 14:39 | 2026-02-17 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM for xxxxxx - Due Diligence Vendor-02/17/2026 <br> Counter-Received SAM report yet it does not reflect clearance for Listing agent xxxxxx. - Due Diligence Vendor-02/13/2026 <br> Counter-Received Fraud report. Missing proof of SSA-89 for Borrower and SAM for Listing Agent. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Lender response: Uploaded Fraud Report including the listing agent xxxxxx - Due Diligence Vendor-02/09/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists SAM not checked for listing agent - Due Diligence Vendor-02/03/2026 |  | Resolved-Received SAM for xxxxxx - Due Diligence Vendor-02/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858699 | xxxxxx C B A | Closed | xxxxxx | 2026-02-04 09:56 | 2026-02-10 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Uploaded Seller CD - Due Diligence Vendor-02/09/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-02/10/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 64.71 Within guideline<br>Months Reserves exceed minimum required - Guideline reserve requirement is 2 months- borrower having 81 months post close reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858729 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858754 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 858812 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 09:22 | 2026-04-29 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 credit refresh. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/29/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-02/02/2026 | Months Reserves exceed minimum required - 0 months required - have 69.48 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | CREDIT REFRESH.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858812 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 09:56 | 2026-02-04 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Mortgage statements provided for both properties and REO calc updated. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please find attached first payment letter for xxxxxx - this was uploaded at the same time as the other one. - Buyer-02/04/2026 <br> Counter-Received 1st payment letters for xxxxxx. Provide for additional property. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached payment letters. - Buyer-01/30/2026 <br> Open-Mortgage statements for REO xxxxxx and xxxxxx for xxxxxx not provided. Additional findings may apply. - Due Diligence Vendor-01/29/2026 |  | Resolved-Document Uploaded. Mortgage statements provided for both properties and REO calc updated. - Due Diligence Vendor-02/04/2026 | Months Reserves exceed minimum required - 0 months required - have 69.48 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | xxxxxx - xxxxxx payment letter.pdf<br> xxxxxx - xxxxxx payment letter.pdf<br> xxxxxx - xxxxxx payment letter.pdf<br> xxxxxx - correct xxxxxx payment letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858822 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-29 09:15 | 2026-02-10 13:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/10/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Lease agreement/Rental Proof for higher rental amount used on Final 1003 for REO xxxxxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/10/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 79 Months Required = 12 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858822 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-29 09:15 | 2026-02-10 13:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received lease. ATR/QM status updated. - Due Diligence Vendor-02/10/2026 <br>Open-The Originator QM Status is not the same as the Final QM Status. Pending missing leases - Due Diligence Vendor-01/29/2026 |  | Resolved-Received lease. ATR/QM status updated. - Due Diligence Vendor-02/10/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 79 Months Required = 12 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858822 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-28 12:59 | 2026-02-10 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | AUS Not Provided | Resolved-AUS is fully present - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. Final DU Uploaded - Due Diligence Vendor-02/10/2026 <br>Open-Missing AUS Findings, required to provide comp factors. Additional conditions may apply - Due Diligence Vendor-01/29/2026 |  | Resolved-AUS is fully present - Due Diligence Vendor-02/10/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 79 Months Required = 12 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years |  | 858822_xxxxxx_-_Final_DU.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858822 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-28 13:19 | 2026-02-10 13:42 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. The request for an exception to xxxxxx eligibility criteria is granted.<br> - Due Diligence Vendor-02/10/2026 <br> Open-Borrower 1 Lease Agreements Missing Missing Lease agreement/Rental Proof for higher rental amount used on Final 1003 for REO xxxxxx. - Due Diligence Vendor-01/29/2026 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. The request for an exception to xxxxxx eligibility criteria is granted.<br> - Due Diligence Vendor-02/10/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 79 Months Required = 12 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Employed at same job > 2 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858822 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-28 13:04 | 2026-02-04 12:04 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received proof of gift funds and letter. - Due Diligence Vendor-02/04/2026 <br>Open-Missing Gift Letter and Receipt (32,818.05) - Due Diligence Vendor-01/29/2026 |  | Resolved-Received proof of gift funds and letter. - Due Diligence Vendor-02/04/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 79 Months Required = 12 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858822 | xxxxxx D B C A | Closed | xxxxxx | 2026-01-26 11:42 | 2026-02-04 07:39 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received Intent to Proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-02/04/2026 <br>Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-01/26/2026 |  | Resolved------Received Intent to Proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-02/04/2026 | On time mortgage history exceeds guideline requirement - On Time Mortgage History = 79 Months Required = 12 months<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 20+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858823 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 11:24 | 2026-02-20 07:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception to waive requirement for a gap report. - Due Diligence Vendor-02/20/2026 <br>Counter-Origination credit report was provided. Need Gap credit report. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-tri merged credit report attached - Due Diligence Vendor-02/09/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report not found. - Due Diligence Vendor-01/29/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to waive requirement for a gap report. - Due Diligence Vendor-02/20/2026 | Months Reserves exceed minimum required - 25 mos reserves exceeds 0 months required per DU<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years | Credit Score 30+ points > minimum required<br> Employed at same job > 2 years<br> Reserves exceed requirement by 10 months or more |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858823 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 11:24 | 2026-02-20 07:14 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept current credit report with frozen bureau. Two scores provided. - Due Diligence Vendor-02/20/2026 <br> Counter-Received Credit Report. Report still reflect frozen. - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 Credit Report is Partially Present. The credit report used to evaluate a loan may not reflect a security freeze. Any frozen credit must be unlocked,<br> and a new credit report (tri-merge or Residential Mortgage Credit Report) must be obtained to reflect current and<br> updated information from all repositories. - Due Diligence Vendor-01/29/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept current credit report with frozen bureau. Two scores provided. - Due Diligence Vendor-02/20/2026 | Months Reserves exceed minimum required - 25 mos reserves exceeds 0 months required per DU<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years | Credit Score 30+ points > minimum required<br> Employed at same job > 2 years<br> Reserves exceed requirement by 10 months or more |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858823 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 10:58 | 2026-02-12 14:25 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review supporting value. - Due Diligence Vendor-02/12/2026 <br> Counter-The CU score was a 5; The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® <br> (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR).<br> o Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. <br> o If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or <br> second appraisal. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-From Lender - I dont quite understand what is being asked for here? Are they stating a second appraisal is needed? If so, that is not the case per the program guides. - Due Diligence Vendor-02/09/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-01/29/2026 |  | Resolved-Received desk review supporting value. - Due Diligence Vendor-02/12/2026 | Months Reserves exceed minimum required - 25 mos reserves exceeds 0 months required per DU<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858823 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 11:47 | 2026-02-04 17:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 54.19% is less than or equal to AUS DTI of 55%. Upon further review, Loan qualifies under expanded agency DTI of 55% or less - Due Diligence Vendor-02/04/2026 <br> Open-Audited DTI of 54.19% exceeds AUS DTI of 47.16% Per qualifying terms - Greater of Start Rate or Fully Indexed Rate at FULLY Amortized Payment - Due Diligence Vendor-01/29/2026 |  | Resolved-Audited DTI of 54.19% is less than or equal to AUS DTI of 55%. Upon further review, Loan qualifies under expanded agency DTI of 55% or less - Due Diligence Vendor-02/04/2026 | Months Reserves exceed minimum required - 25 mos reserves exceeds 0 months required per DU<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 858847 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-30 13:20 | 2026-04-16 09:38 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan is a 2nd lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-04/16/2026<br>Open-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. - Due Diligence Vendor-03/30/2026 |  | Waived-Waived to non-material, loan is a 2nd lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 79.83 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 858847 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-31 13:41 | 2026-04-15 15:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received HOI for xxxxxx - Due Diligence Vendor-04/15/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation of hazard premium for REO xxxxxx. 1003 indicated it is escrowed but it is not reflected on the first or second mortgage<br> statement. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received HOI for xxxxxx - Due Diligence Vendor-04/15/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 79.83 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858847 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-31 13:07 | 2026-04-10 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Executed 4506-T/4506-C - Due Diligence Vendor-04/10/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing A signed IRS Form 4506-C is required in every standard documentation credit file. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received Executed 4506-T/4506-C - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 79.83 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858847 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-31 13:32 | 2026-04-07 13:06 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD. - Due Diligence Vendor-04/07/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-2273.74'. Assets are Insufficient. Asses were required at close, file does not contain asset documentation. Provide sufficient assets to support total closing costs required. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received PCCD. - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 79.83 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858856 | xxxxxx D A | Closed | xxxxxx | 2026-03-03 04:49 | 2026-03-12 12:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description Exhibit A. Finding resolved. - Due Diligence Vendor-03/12/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide legal description in Exhibit A. - Due Diligence Vendor-03/03/2026 |  | Resolved-Received Legal Description Exhibit A. Finding resolved. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 47.58 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858856 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 13:35 | 2026-03-12 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/02/2026 |  | Resolved-Received Gap Report. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 47.58 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858866 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858868 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 07:21 | 2026-04-16 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received delivery report of borrower's receipt. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Seller-04/15/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*NEW\*\*\* Please provide proof that borrower received CD xxxxxx prior to consummation. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Resolved-Received delivery report of borrower's receipt. Finding Resolved. - Due Diligence Vendor-04/16/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 40.35<br>Months Reserves exceed minimum required - 63.31 months PITIA reserves; 3 months reserves required. |  | xxxxxx_FinalComplianceCheck.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858868 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 07:40 | 2026-04-15 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received OFAC clearance and processor cert on clearance of High Alerts - Due Diligence Vendor-04/15/2026 <br>Open-Fraud Report Shows Uncleared Alerts Uncleared high alerts on fraud report. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received OFAC clearance and processor cert on clearance of High Alerts - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 40.35<br>Months Reserves exceed minimum required - 63.31 months PITIA reserves; 3 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858868 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 21:55 | 2026-04-15 07:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/15/2026 <br> Open------Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation date, unable to test. Additional finding may apply upon receipt. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 40.35<br>Months Reserves exceed minimum required - 63.31 months PITIA reserves; 3 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858868 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 10:39 | 2026-04-13 16:15 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. ATR-QM status updated - Due Diligence Vendor-04/13/2026 <br> Open-Missing 2 months of business bank statements, which must evidence activity to support business operations and reflect transfers to personal accounts. Please provide explanation of all deposits from direct deposit xxxxxx ext internal transfer used to support this income. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received income documentation. ATR-QM status updated - Due Diligence Vendor-04/13/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 40.35<br>Months Reserves exceed minimum required - 63.31 months PITIA reserves; 3 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858868 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 07:21 | 2026-04-13 16:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-A co-mingled bank statement is a personal account used by a borrower for both business and personal use. A separate business account is not required. - Due Diligence Vendor-04/13/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing 2 months of business bank statements, which must evidence activity to support business operations and reflect transfers to personal accounts. Please provide explanation of all deposits from direct deposit xxxxxx ext internal transfer used to support this income. - Due Diligence Vendor-04/09/2026 |  | Resolved-A co-mingled bank statement is a personal account used by a borrower for both business and personal use. A separate business account is not required. - Due Diligence Vendor-04/13/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 40.35<br> Months Reserves exceed minimum required - 63.31 months PITIA reserves; 3 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858877 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858897 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858902 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 07:38 | 2026-02-23 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Settlement statement and invoice. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Inv uploaded - Seller-02/20/2026 <br> Counter-Document Uploaded. Please verify with Invoice Paid to xxxxxx - Payoff is not showing as lien on title. - Due Diligence Vendor-02/13/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing from loan file - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Inv uploaded - Seller-02/20/2026 | Resolved-Received Settlement statement and invoice. - Due Diligence Vendor-02/23/2026 | Months Reserves exceed minimum required - Min 3, actual 145.11<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794 |  | xxxxxx Seller xxxxxx.pdf<br> xxxxxx Seller xxxxxx - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858902 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 08:01 | 2026-02-13 09:19 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Additional insured are Entity owners of xxxxxx - all business entities documents are in file - Due Diligence Vendor-02/13/2026 <br> Open-Loan is multi layered which is allowed however there is another entity which is on the hazard insurance xxxxxx who is not our borrower but it appears as an additional insured. our borrower is xxxxxx by xxxxxx. - Due Diligence Vendor-02/10/2026 |  | Resolved-Additional insured are Entity owners of xxxxxx - all business entities documents are in file - Due Diligence Vendor-02/13/2026 | Months Reserves exceed minimum required - Min 3, actual 145.11<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858902 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 10:31 | 2026-02-13 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement statement and invoice. - Due Diligence Vendor-02/13/2026 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-02/09/2026 |  | Resolved-Received Settlement statement and invoice. - Due Diligence Vendor-02/13/2026 | Months Reserves exceed minimum required - Min 3, actual 145.11<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858907 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858952 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 12:51 | 2026-02-27 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received confirmation vested entities are not included in required background check. - Due Diligence Vendor-02/27/2026 <br> Counter-Fraud report with various borrower business. Subject loan is a DSCR and vested in xxxxxx. Finding remains as this business was not included. - Due Diligence Vendor-02/23/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's vesting LLC was not included in Fraud Report search. - Due Diligence Vendor-02/13/2026 |  | Resolved-Received confirmation vested entities are not included in required background check. - Due Diligence Vendor-02/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 738 Required is 700 Borrower has 738<br> LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.007 Required is 0.75 Borrower has 1.007 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859029 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859091 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 15:22 | 2026-03-25 12:38 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-- Due Diligence Vendor-03/16/2026 <br> Open-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. - Due Diligence Vendor-03/12/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor--03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 15:22 | 2026-03-23 09:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $xxxxxx. The disclosed total of payments charge of $xxxxxx is not considered accurate for purposes of rescission because it is understated by more than $35. -----Total of payments is understated by $xxxxxx which exceeds threshold of $35. Provide evidence of refund or principal reduction for $xxxxxx, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. <br> Provided index was used, unable to test properly without correct Index. Additional findings may apply upon receipt. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 15:22 | 2026-03-23 09:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxxxxx. The disclosed finance charge of $xxxxxx is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $xxxxxx. The disclosed finance charge of $xxxxxx is not considered accurate because it is understated by more than $100 at $22,824.43. Provide evidence of refund or principal reduction of $22,824.43, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx.<br> Provided index was used, unable to test properly without correct Index. Additional findings may apply upon receipt. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 15:22 | 2026-03-23 09:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxxxxx The disclosed finance charge of $xxxxxxis not considered accurate for purposes of rescission because it is understated by more than $35. ----- Finance charge is understated by $xxxxxx which exceeds threshold of $35. Provide evidence of refund or principal reduction for $xxxxxx or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> Provided index was used, unable to test properly without correct Index. Additional findings may apply upon receipt. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 15:22 | 2026-03-23 09:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $xxxxxx. The disclosed total of payments of $xxxxxxis not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. -----Total of payments is understated by $xxxxxx which exceeds threshold of $35. Provide evidence of refund or principal reduction for $22,624.43 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery.<br> Provided index was used, unable to test properly without correct Index. Additional findings may apply upon receipt. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, no additional documentations are required. Finding resolved. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-16 10:56 | 2026-03-16 11:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding with compensating factors. Exception approval in file for borrower housing history. - Due Diligence Vendor-03/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements no housing history on current subject lien (xxxxxx on prior primary which is now an investment). Exception in file for borrower doesn't have 6 months payment history for subj VOM since there is no need for periodic interest payments and can be paid in full at pay off with the principal and accrued interest. - Due Diligence Vendor-03/16/2026 |  | Waived-Investor waiver applied to non-material finding with compensating factors. Exception approval in file for borrower housing history. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 859097 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 16:52 | 2026-03-12 16:53 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non material findings - Due Diligence Vendor-03/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non material findings - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.27 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 859118 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859127 | xxxxxx D A | Closed | xxxxxx | 2026-02-13 12:53 | 2026-02-26 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, borrower is from xxxxxx which is part of the xxxxxx. No further documentation required. - Due Diligence Vendor-02/26/2026 <br> Counter-Passport provided, please provide the xxxxxx as required by the guidelines. - Due Diligence Vendor-02/23/2026 <br> Open-Borrower Citizenship Documentation Is Missing Passport in file. Missing Visa which is required per guidelines. - Due Diligence Vendor-02/13/2026 |  | Resolved-Upon further review, borrower is from xxxxxx which is part of the xxxxxx Program. No further documentation required. - Due Diligence Vendor-02/26/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Verified reserves equal 11.7 months, guidelines require 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859127 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 11:37 | 2026-02-24 12:22 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received confirmation from title the Item will be removed. - Due Diligence Vendor-02/24/2026 <br> Open-Vested Owner Signature Requirement Not met. Schedule C item 6 states Company requires submission of a copy of the Articles of Organization, and all amendments and supplements<br> thereto, together with proof of registration with the State, and compliance therewith as to person(s) authorized to act on behalf of xxxxxx. Missing required documents. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received confirmation from title the Item will be removed. - Due Diligence Vendor-02/24/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Verified reserves equal 11.7 months, guidelines require 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859127 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 11:56 | 2026-02-23 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM - Due Diligence Vendor-02/23/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Borrower, builder, insurance company, loan officer and processor all have alerts on the fraud report with no documentation provided to support the alerts have been cleared. - Due Diligence Vendor-02/19/2026 |  | Resolved-Received SAM - Due Diligence Vendor-02/23/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Verified reserves equal 11.7 months, guidelines require 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859163 | xxxxxx D A | Closed | xxxxxx | 2026-02-24 16:38 | 2026-03-06 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Lender provided business purpose affidavit - Due Diligence Vendor-03/06/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure is Missing for a cash-out DSCR - Due Diligence Vendor-02/24/2026 |  | Resolved-Lender provided business purpose affidavit - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724<br> Months Reserves exceed minimum required - Guidelines require 2 months reserves for DSCR, borrower has 130+ |  | xxxxxx Business Purpose Occupancy Affidavit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859166 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 16:38 | 2026-02-20 15:12 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Client waiver applied to non-material finding with compensating factors. Credit report is 91 days old at closing and xxxxxx allows the credit up to 120 days. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Buyer-02/20/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Expired at 91 days exceeds the 90 allowed - Due Diligence Vendor-02/12/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Credit report is 91 days old at closing and xxxxxx allows the credit up to 120 days. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 64.97<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 729 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 859206 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 06:25 | 2026-02-06 13:45 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Received renewal master flood insurance. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see copy of the Flood Insurance - Seller-02/05/2026 <br> Open-Flood Insurance Expiration Date of xxxxxx is prior to the Note Date of xxxxxx Flood insurance provided through Master Policy. Please provide un-expired copy of Master policy showing Flood Insurance coverage for subject unit. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. Please see copy of the Flood Insurance - Seller-02/05/2026 | Resolved-Received renewal master flood insurance. - Due Diligence Vendor-02/06/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 691 Required is 600 Borrower has 691 |  | xxxxxx_xxxxxx PropertyEBCrimeF_1-26-2026_xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859206 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 06:14 | 2026-01-28 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, condo verbiage contained within DOT - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Lighting Docs - The rider is built in the docs page 19 item 38 - Seller-01/28/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Condo Rider. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. Lighting Docs - The rider is built in the docs page 19 item 38 - Seller-01/28/2026 | Resolved-Upon further review, condo verbiage contained within DOT - Due Diligence Vendor-01/28/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 691 Required is 600 Borrower has 691 |  | DOT-xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859221 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859228 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 08:47 | 2026-04-03 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Home Loan Toolkit is Missing | Resolved-Received Home Loan Toolkit disclosure. Finding Resolved. - Due Diligence Vendor-04/03/2026 <br> Open-The Home Loan Toolkit disclosure is missing. Missing Home Loan Toolkit disclosure for Refinance in xxxxxx. - Due Diligence Vendor-03/19/2026 |  | Resolved-Received Home Loan Toolkit disclosure. Finding Resolved. - Due Diligence Vendor-04/03/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.87<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859263 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 14:59 | 2026-03-19 11:22 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no additional docs are needed. Revised CD corrected, finding resolved. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/10/2026 |  | Resolved-Upon further review, no additional docs are needed. Revised CD corrected, finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br> LTV is less than guideline maximum - Required is 75 Borrower has 62.34<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859263 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 14:59 | 2026-03-19 11:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD dated xxxxxx, upon further review no additional docs are needed. Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($435.00) exceed the comparable charges ($388.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Tract Search [Custom Fee]) increased by $8.20 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $8.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx - Due Diligence Vendor-03/10/2026 |  | Resolved-Received PCCD dated xxxxxx, upon further review no additional docs are needed. Finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br> LTV is less than guideline maximum - Required is 75 Borrower has 62.34<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859263 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 11:28 | 2026-03-18 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-03/18/2026 <br> Open-LOX for credit inquiries is missing. Letter of explanation not provided for credit inquiries.<br> - Due Diligence Vendor-03/11/2026 |  | Resolved-Received credit inquiry LOE - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br> LTV is less than guideline maximum - Required is 75 Borrower has 62.34<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859263 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 11:11 | 2026-03-13 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, this is not required for this lender. - Due Diligence Vendor-03/12/2026 <br> Open-Borrower 1 Gap Credit Report is Missing LLender to provide gap credit report within 10 days of closing or undiscolsed debt monitoring. - Due Diligence Vendor-03/11/2026 |  | Resolved-After further review, this is not required for this lender. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br> LTV is less than guideline maximum - Required is 75 Borrower has 62.34<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859263 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 11:11 | 2026-03-13 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-After further review, this is not required for this lender. - Due Diligence Vendor-03/12/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Lender to provide gap credit report within 10 days of closing or undiscolsed debt monitoring. - Due Diligence Vendor-03/11/2026 |  | Resolved-After further review, this is not required for this lender. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br> LTV is less than guideline maximum - Required is 75 Borrower has 62.34<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859279 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 13:54 | 2026-03-06 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-03/06/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-02/27/2026 |  | Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-03/06/2026 | CLTV is less than guidelines maximum - Required is 75 Borrower has 48.51<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859279 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 13:54 | 2026-03-06 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-03/06/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-02/27/2026 |  | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-03/06/2026 | CLTV is less than guidelines maximum - Required is 75 Borrower has 48.51<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859453 | xxxxxx D A | Closed | xxxxxx | 2026-02-23 17:14 | 2026-03-18 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 C and transcripts - Due Diligence Vendor-03/18/2026 <br> Counter-Received 4506c. Guideline also require transcript of W-2 earnings. Return Transcript only box checked. - Due Diligence Vendor-03/06/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Provide executed 4506C form. - Due Diligence Vendor-02/23/2026 |  | Resolved-Received 4506 C and transcripts - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 796<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.89<br> CLTV is less than guidelines maximum - Required is 75 Borrower has 69.35 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859610 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 12:05 | 2026-03-06 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/05/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Occupancy cert does not suffice. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-03/06/2026 | Months Reserves exceed minimum required - required 2 months Borrower has 7.2 months of reserves<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 |  | xxxxxx Business Purpose Affidavit Disclosure.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859610 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 12:10 | 2026-03-06 13:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Per the xxxxxx UW Scenario Desk, we are allowed to charge a PPP in the state of xxxxxx for a business loan if the entity is an LLC. I'm attaching the recent email correspondence from xxxxxx supporting this. - Seller-03/05/2026 <br> Open-Prepayment Penalty is not allowed. Prepay penalty in xxxxxx no allowed to vest in an LLC, only for individual or Corp entity - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Per the xxxxxx UW Scenario Desk, we are allowed to charge a PPP in the state of xxxxxx for a business loan if the entity is an LLC. I'm attaching the recent email correspondence from xxxxxx supporting this. - Seller-03/05/2026 | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-03/06/2026 | Months Reserves exceed minimum required - required 2 months Borrower has 7.2 months of reserves<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 |  | xxxxxx Scenario Desk PPP Feedback Email.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 859625 | xxxxxx B A | Closed | xxxxxx | 2026-03-05 14:57 | 2026-03-05 14:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.31 Required is 50 Borrower has 41.31<br> LTV is less than guideline maximum - Required is 90 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 804 Required is 640 Borrower has 804 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859637 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 11:08 | 2026-02-23 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Perm resident alien card provided, and divorce decree confirming unmarried,. - Due Diligence Vendor-02/23/2026 <br> Open-Borrower Citizenship Documentation Is Missing. Application reflects the borrower is a Permanent Resident. Please provide a copy of the borrower's unexpired Form I-551 (Permanent Resident Card). - Due Diligence Vendor-02/10/2026 |  | Resolved-Perm resident alien card provided, and divorce decree confirming unmarried,. - Due Diligence Vendor-02/23/2026 | Months Reserves exceed minimum required - required 6 borrower has 38 months<br> Credit history exceeds minimum required - VOM in file confirms mortgage on subject property since xxxxxx with no mortgae lates. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859641 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 08:34 | 2026-02-27 10:59 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from the title company that the property is not a leasehold and the lease only pertains to the dock. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. confirmed that this is NOT a leasehold, and it is a lease SOLELY for the usage of the xxxxxx. The prior owners have no interest in the subject property, they are only liable for the lease until they transfer ownership. The state is reaching out to the borrower / prior owners directly to start the application process. The issue is the assignment can be possibly lengthy; however, there is nothing that would cause a denial of transfer. She also advised that the prior owners are only paid up until April of 2026 and if they do not pay, they state can terminate the lease. - Seller-02/26/2026 <br> Open-Property Title Issue Lender to confirm memorandum of lease item #12 has been removed and the listed parties have no interest in the subject's land. Additional findings may apply if there is a leasehold on this portion of the subject's property. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. confirmed that this is NOT a leasehold, and it is a lease SOLELY for the usage of the dock. The prior owners have no interest in the subject property, they are only liable for the lease until they transfer ownership. The state is reaching out to the borrower / prior owners directly to start the application process. The issue is the assignment can be possibly lengthy; however, there is nothing that would cause a denial of transfer. She also advised that the prior owners are only paid up until April of 2026 and if they do not pay, they state can terminate the lease. - Seller-02/26/2026 | Resolved-Received confirmation from the title company that the property is not a leasehold and the lease only pertains to the dock. - Due Diligence Vendor-02/27/2026 | LTV is less than guideline maximum - LTV 51.83 max 75%. Required is 75 Borrower has 51.83<br> Qualifying DTI below maximum allowed - DTI 33.46 max 50%. Required is 50 Borrower has 33.46<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | xxxxxx-please clear.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859669 | xxxxxx C A | Closed | xxxxxx | 2026-02-06 10:57 | 2026-02-18 11:53 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Signed Seller CD. - Due Diligence Vendor-02/18/2026 <br> Counter-Received borrowers final settlement statement. Please provide Sellers Final Settlement Statement. - Due Diligence Vendor-02/11/2026 <br> Open-The Final SELLER CD/HUD is missing. Please provide final seller CD/Settlement Statement. - Due Diligence Vendor-02/06/2026 |  | Resolved-Received Signed Seller CD. - Due Diligence Vendor-02/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 708 Required is 640 Borrower has 708<br> LTV is less than guideline maximum - Required is 75 Borrower has 52.65 Required is 75 Borrower has 52.65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859697 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 17:55 | 2026-03-06 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received clarification of seller expenses paid from title - Due Diligence Vendor-03/06/2026 <br> Counter-Received Seller Final CD reflecting a 2nd lien paid that is not recorded on preliminary title. Title to clarify - Due Diligence Vendor-03/03/2026 <br> Open-The Final SELLER CD/HUD is missing. Provide the Final Seller CD/HUD as missing from file. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received clarification of seller expenses paid from title - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 Required is 680 Borrower has 780<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.95 Required is 50 Borrower has 44.95<br> Additional assets not used to qualify - Borrower has additional assets not being used. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859697 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 10:41 | 2026-02-24 11:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/24/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 Required is 680 Borrower has 780<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.95 Required is 50 Borrower has 44.95<br> Additional assets not used to qualify - Borrower has additional assets not being used. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859699 | xxxxxx C A | Closed | xxxxxx | 2026-02-25 14:08 | 2026-03-05 07:16 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-02/25/2026 |  | Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/05/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.11<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859702 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 859722 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 16:46 | 2026-03-12 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, evidence is in file. Finding resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-If you look through the xxxxxx DOCS uploaded, page 9/14. <br>Its the first page of documents for B2.<br>Towards the lower part of the page, you will see: Bwr is from xxxxxx. Please clear this condition - Buyer-03/11/2026 <br> Counter-I-797C for both borrowers provided, however we are missing documentation to support B2's country of Origin. - Due Diligence Vendor-03/05/2026 <br> Open-Borrower Citizenship Documentation Is Missing Guidelines state Non-Permanent Resident Alien must have employment authorization. This may be documented<br> with either an EAD or a VISA permitting employment. Non-Permanent Resident Alien ID missing from loan docs for both borrowers. - Due Diligence Vendor-02/28/2026 |  | Resolved-Upon further review, evidence is in file. Finding resolved. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.56<br> LTV is less than guideline maximum - Required is 70 Borrower has 41.03<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859797 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 20:16 | 2026-03-23 09:48 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received complete, current WVOE. - Due Diligence Vendor-03/23/2026 <br> Counter-Received WVOE dated xxxxxx. Boxes appear to be changed but not initialed by employer. Provide acceptable confirmation employer completed Box xxxxxx, and xxxxxx. Also why box xxxxxx and xxxxxx reflect projected raise yet not reflecting. Additional conditions may apply - Due Diligence Vendor-02/26/2026 <br> Open-Income and Employment Do Not Meet Guidelines The Written VOE is dated xxxxxx. The loan closed on xxxxxx. missing a Written VOE, dated within 60 days of the closing date - Due Diligence Vendor-02/25/2026 |  | Resolved-Received complete, current WVOE. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.99<br> LTV is less than guideline maximum - Required is 70 Borrower has 60.76<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 682 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859797 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 21:43 | 2026-02-24 07:43 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/24/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date - Due Diligence Vendor-02/14/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.99<br> LTV is less than guideline maximum - Required is 70 Borrower has 60.76<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 682 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859797 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 21:43 | 2026-02-24 07:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $100.00 (underwriting 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 $100.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-02/14/2026 |  | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-02/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.99<br> LTV is less than guideline maximum - Required is 70 Borrower has 60.76<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 682 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859804 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 13:41 | 2026-03-16 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD - Due Diligence Vendor-03/16/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received final seller CD - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 815<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.25 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859810 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859814 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 18:03 | 2026-03-24 10:51 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received payoff and request to close HELOC - Due Diligence Vendor-03/24/2026 <br> Open-Property Title Issue Missing signed formal request from borrower to HELOC lender to close the account once paid off. Document attached to payoff is not signed. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received payoff and request to close HELOC - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - 760 exceeds min required 660 Required is 660 Borrower has 760<br> LTV is less than guideline maximum - 23.36 is below max allowed 80 Required is 80 Borrower has 23.36 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859824 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 16:50 | 2026-03-05 12:14 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Additional Assets. - Due Diligence Vendor-03/05/2026 <br> Counter-Missing complete 1 months statement for xxxxxxxx as statement reflects 1/12/26-1/31/26. - Due Diligence Vendor-03/04/2026 <br> Counter-Received 1003 reflecting assets considered. Missing complete statement for xxxxxxxx as only printout received. Missing complete 1 months statement for xxxxxxxx as statement reflects 1/12/26-1/31/26. - Due Diligence Vendor-02/26/2026 <br> Counter-Received Acct#xxxxxx and #xxxxxx with Lender memo "Please find asset documents matching with 1003". Noted assets are not reflected on 1003. Asset#xxxxxx is reflected on 1003. Please provide updated 1003 and 1008/approval confirming assets used. - Due Diligence Vendor-02/24/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-32168.89'. Assets are Insufficient. Missing bank statements listed on 1003. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received Additional Assets. - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guidelines is 640. Borrower has 764 Required is 640 Borrower has 764<br> LTV is less than guideline maximum - Max LTV is 70%; Borrower is at 60%. Required is 70 Borrower has 60 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859824 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 17:18 | 2026-03-05 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional Assets. - Due Diligence Vendor-03/05/2026 <br> Counter-Missing complete 1 months statement for xxxxxxxx as statement reflects 1/12/26-1/31/26. - Due Diligence Vendor-03/04/2026 <br> Counter-Received 1003 reflecting assets considered. Missing complete statement for xxxxxx xx as only printout received. Missing complete 1 months statement for xxxxxx xx as statement reflects 1/12/26-1/31/26. - Due Diligence Vendor-02/26/2026 <br> Counter-Received Acct#xxxxxx and #xxxxxx with Lender memo "Please find asset documents matching with 1003". Noted assets are not reflected on 1003. Asset#xxxxxx is reflected on 1003. Please provide updated 1003 and 1008/approval confirming assets used. - Due Diligence Vendor-02/24/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-02/18/2026 |  | Resolved-Received additional Assets. - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guidelines is 640. Borrower has 764 Required is 640 Borrower has 764<br> LTV is less than guideline maximum - Max LTV is 70%; Borrower is at 60%. Required is 70 Borrower has 60 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859832 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 13:43 | 2026-03-27 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-After further review, 3 out of the 4 comps are within industry guides. - Due Diligence Vendor-03/27/2026 <br> Counter-Received duplicate copy of appraisal. Please have appraiser address original condition. - Due Diligence Vendor-03/27/2026 <br> Open-Appraiser comment states All sales adjusted within the recommended 10% line item, 15% net and 25% gross parameters. Comp 3 has gross adjustments of 27.8% with nt explanation for the excessive gross adjustments.<br> - Due Diligence Vendor-03/20/2026 |  | Resolved-After further review, 3 out of the 4 comps are within industry guides. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789<br> LTV is less than guideline maximum - Required is 70 Borrower has 49.27<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.79 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859832 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 14:54 | 2026-03-27 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After further review, the HOI is in the loan file. - Due Diligence Vendor-03/27/2026 <br> Open-Missding verification of hazard insurance for property xxxxxx. - Due Diligence Vendor-03/20/2026 |  | Resolved-After further review, the HOI is in the loan file. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789<br> LTV is less than guideline maximum - Required is 70 Borrower has 49.27<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.79 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859832 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 14:51 | 2026-03-27 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-After further review, the leases are in the loan file. - Due Diligence Vendor-03/27/2026 <br> Open-Borrower 1 Lease Agreements Missing Missing the lease agreement for all of the borrowers investment properties required by the guidelines. Appraisal 1007 was provided only. - Due Diligence Vendor-03/20/2026 |  | Resolved-After further review, the leases are in the loan file. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 789<br> LTV is less than guideline maximum - Required is 70 Borrower has 49.27<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.79 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859870 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859871 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 13:53 | 2026-02-13 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003 from missing initial finding. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Open-The Final 1003 is Missing Missing signed Final 1003. - Due Diligence Vendor-02/03/2026 |  | Resolved-Received Final 1003 from missing initial finding. Finding Resolved. - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 704<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.25<br> LTV is less than guideline maximum - Required is 90 Borrower has 75 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859871 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 13:53 | 2026-02-13 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 signed by MLO. Finding Resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. see attached page 8 has signature - Seller-02/12/2026 <br> Counter-----Initial 1003 needs to be signed by the MLO in section 9 of the 1003. Finding Remains. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-02/10/2026 <br> Counter-----Received a copy of the final 1003, need a copy of the initial. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. please see two attachments for the 1003 and the signature page by MLO. - Seller-02/06/2026 <br> Open-The Initial 1003 is Missing Missing initial 1003 signed by MLO. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. see attached page 8 has signature - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-02/10/2026 <br> Ready for Review-Document Uploaded. please see two attachments for the 1003 and the signature page by MLO. - Seller-02/06/2026 | Resolved-Received Initial 1003 signed by MLO. Finding Resolved. - Due Diligence Vendor-02/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 704<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.25<br> LTV is less than guideline maximum - Required is 90 Borrower has 75 |  | intiaL 1003 signed by LO.pdf<br> INITIAL 1003 xxxxxx.pdf<br> INITIAL 1003 xxxxxx.pdf<br> Initial_Disclosure_xxxxxx_698e1475e271f.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859871 | xxxxxx D A | Closed | xxxxxx | 2026-02-03 13:58 | 2026-02-10 08:01 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED NRTC SIGNED BY xxxxxx - Seller-02/06/2026 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Missing ROR signed by xxxxxx. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. SEE ATTACHED NRTC SIGNED BY xxxxxx - Seller-02/06/2026 | Resolved-Received Non-Borrower Title Holder Received Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 704<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.25<br> LTV is less than guideline maximum - Required is 90 Borrower has 75 |  | NRTC xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859875 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859877 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 13:25 | 2026-02-17 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Upon further review, the loan file contained all required documentation. PUD statement 38.1 of DOT. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. see attached. this is page 19 of the DOT. see highlighted. this is a business purpose loan - Seller-02/13/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. see attached. this is page 19 of the DOT. see highlighted. this is a business purpose loan - Seller-02/13/2026 | Resolved-Upon further review, the loan file contained all required documentation. PUD statement 38.1 of DOT. - Due Diligence Vendor-02/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 59.65 Required is 75 Borrower has 59.65<br> Credit history exceeds minimum required - 7 open tradelines with 24 mo + Credit history exceeds minimum required minimum one tradeline reporting in the last 24 months |  | PAGE 19 PUD RIDER.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859878 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859879 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 14:41 | 2026-02-06 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM on fraud report dated xxxxxx. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see the xxxxxx report updated on xxxxxx UDM page 42 Monitor Started xxxxxx loan was funded xxxxxx - Seller-02/06/2026 <br> Counter-No document provided. Fraud report in file is is dated 1/9, not within 10 days of closing xxxxxx. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Please see the xxxxxx report UDM page 42 Monitor Started xxxxxx loan was funded xxxxxx - Seller-02/04/2026 <br> Counter-No document provided. Guideline 5.2.6 A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of <br> closing - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Per guidelines, we do not require a cap credit report - Seller-02/02/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. If any consumer credit has become past due and not <br> allowed within the guidelines the debt must be brought current. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Please see the xxxxxx report updated on xxxxxx UDM page 42 Monitor Started xxxxxx and Ends xxxxxx loan was funded xxxxxx - Seller-02/06/2026 <br> Ready for Review-Please see the xxxxxx report UDM page 42 Monitor Started xxxxxx and Ends xxxxxx loan was funded xxxxxx - Seller-02/04/2026 <br> Ready for Review-Per guidelines, we do not require a cap credit report - Seller-02/02/2026 | Resolved-UDM on fraud report dated xxxxxx. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum allowed is 600 Required is 600 Borrower has 796<br> LTV is less than guideline maximum - LTV is 65% and max allowed is 75% Required is 75 Borrower has 65 |  | fraud report xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859879 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 14:42 | 2026-02-06 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided with high alerts cleared. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Please see updated xxxxxx report date xxxxxx. There is no documentation please review the comments on the report. - Seller-02/06/2026 <br> Counter-Received Fraud Report. Missing documentation used to clear high alerts. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. See attached report - Seller-02/02/2026 <br> Open-Missing Third Party Fraud Report. The Fraud Report is required. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see updated xxxxxx report date xxxxxx. There is no documentation please review the comments on the report. - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. See attached report - Seller-02/02/2026 | Resolved-Third Party Fraud Report is provided with high alerts cleared. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum allowed is 600 Required is 600 Borrower has 796<br> LTV is less than guideline maximum - LTV is 65% and max allowed is 75% Required is 75 Borrower has 65 |  | fraud report xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859879 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 15:28 | 2026-02-06 13:19 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-After further review, exposure guides only apply to loans financed with the lender. - Due Diligence Vendor-02/06/2026 <br> Counter-Review of Fraud report and property profiles confirm multiple properties in same neighborhood. Guideline xxxxxx-Loan Approvals for three or more properties in the same building or neighborhood require Senior <br> Management Approval - Due Diligence Vendor-02/03/2026 <br> Ready for Review-The guideline is xxxxxx. We are only financing one property xxxxxx Loan Amount xxxxxx. There is no Exposure to xxxxxx approval is not required. Guideline is being misinterpreted. - Seller-02/02/2026 <br> Open-DSCR loan does not meet program guidelines. Borrower owns xxxxxx properties in the same neighborhood per property profile reports provided.. Loan Approvals for three or more properties in the same building or neighborhood require Senior Management Approval. Per guides 4.15. <br> - Due Diligence Vendor-01/30/2026 | Ready for Review-The guideline is xxxxxx. We are only financing one property xxxxxx Loan Amount xxxxxx. There is no Exposure to xxxxxx approval is not required. Guideline is being misinterpreted. - Seller-02/02/2026 | Resolved-After further review, exposure guides only apply to loans financed with the lender. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum allowed is 600 Required is 600 Borrower has 796<br> LTV is less than guideline maximum - LTV is 65% and max allowed is 75% Required is 75 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859879 | xxxxxx D A | Closed | xxxxxx | 2026-01-30 15:06 | 2026-02-03 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. This was a no cash out loan (per closing statement cash from borrower was 2,488.96) - Seller-02/02/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing copy of the Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. This was a no cash out loan (per closing statement cash from borrower was 2,488.96) - Seller-02/02/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 796 and minimum allowed is 600 Required is 600 Borrower has 796<br> LTV is less than guideline maximum - LTV is 65% and max allowed is 75% Required is 75 Borrower has 65 |  | Closing Statement - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859880 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859881 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859882 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 01:01 | 2026-02-12 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Udm page of fraud report dated 2/2. Complete fraud report located in loan file. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. look at the attached page 42 of the xxxxxx. - Seller-02/11/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Report is require on all ATR Consumer Purpose and Business Purpose loans within 10 days of <br> closing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. look at the attached page 42 of the xxxxxx. - Seller-02/11/2026 | Resolved-Received Udm page of fraud report dated 2/2. Complete fraud report located in loan file. - Due Diligence Vendor-02/12/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 72.88<br> Months Reserves exceed minimum required - Month Reserves Required 0 Borrower Verified 6 months |  | xxxxxx Unclosed Debt.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859883 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 13:06 | 2026-02-18 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. HOI Policy Attached. - Seller-02/17/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Binder only provided, missing actual policy with policy number. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. HOI Policy Attached. - Seller-02/17/2026 | Resolved-Received HOI. - Due Diligence Vendor-02/18/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 741 Required is 660 Borrower has 741 |  | HOI Policy.PDF | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859887 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859889 | xxxxxx C A | Closed | xxxxxx | 2026-02-10 19:54 | 2026-02-17 17:55 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation Layered entity vesting is allowed. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The management Team approved the Signature Block on the document and layered entitles are allowed. - Seller-02/13/2026 <br> Counter-Received response from Title of how documents should be draw if layered entities are allow. Lender to confirm if approved exception from Lender required. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Entity Review for Signature Block - Seller-02/11/2026 <br> Open-Property Title Issue Note signed as Layered LLC: xxxxxx; confirmation is required as to whether this is permissible and/or if an approved exception is required. Other findings may apply. - Due Diligence Vendor-02/11/2026 | Ready for Review-The management Team approved the Signature Block on the document and layered entitles are allowed. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Entity Review for Signature Block - Seller-02/11/2026 | Resolved-Received confirmation Layered entity vesting is allowed. - Due Diligence Vendor-02/17/2026 | Credit history exceeds minimum required - Credit History = 138 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Reserves: 21.59 months |  | Enity Review.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859891 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 23:53 | 2026-03-10 16:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator provided a waiver for Developer owning more than 30% of the complex, applied to non material finding with comp factors - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. 63% Is sold or under contract per the HOA cert. There is an exception (see attached) in the file for one entity with over 30 % ownership. - Seller-03/09/2026 <br> Counter-Received purchase contract. Document provided did not confirm findings issues have been met. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. see attached copy of the purchase contract. look at page 3 the seller is the developer and the condominium was identified as a non-warrantable. Additionally, the Single Entity guideline does not apply to the developer.<br>- Seller-02/27/2026 <br> Counter-No document Received. Guideline 11.9.3.3- At least 50% of the total units in the project must be conveyed to purchasers as primary or second homes.Ÿ No more than 15% of the total units in a project may be 60 days or more past due on their HOA dues.Ÿ No single entity, the same individual, investor group, partnership, or corporation may own more than 20% of the total units in the project. For projects with 1-4 total units, single entity ownership may not exceed 1 unit. For 5–20-unit projects, single entity ownership may not exceed 2 units.-- In this case we have not met the 50% sold and do not meet the single entity guideline. Finding remains. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-The single entity is the developer – they are still selling units There are a total of xxxxxx units of which xxxxxx are sold or under contract 63% as per the condo questionnaire. Which is allowed under the Non-warrantable guidelines 50% must be sold or under contract. - Seller-02/13/2026 <br> Open-Project is no Warrantable and per Appraisal there is a Single Entity that owns 54.55% of the building and per guides single entity ownership cannot exceed 30%. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. 63% Is sold or under contract per the HOA cert. There is an exception (see attached) in the file for one entity with over 30 % ownership. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. see attached copy of the purchase contract. look at page 3 the seller is the developer and the condominium was identified as a non-warrantable. Additionally, the Single Entity guideline does not apply to the developer.<br>- Seller-02/27/2026 <br> Ready for Review-The single entity is the developer – they are still selling units There are a total of xxxxxx units of which xxxxxx are sold or under contract 63% as per the condo questionnaire. Which is allowed under the Non-warrantable guidelines 50% must be sold or under contract. - Seller-02/13/2026 | Waived-Originator provided a waiver for Developer owning more than 30% of the complex, applied to non material finding with comp factors - Due Diligence Vendor-03/10/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 56<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 | 56% LTV<br> 750 FICO | xxxxxx purchase contract.pdf<br> Exception xxxxxx.PDF<br> xxxxxx 2.png<br> xxxxxx.png | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 859891 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 23:15 | 2026-03-06 16:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history meets guidelines. Per guides: For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) along with the subject property. For NO HOUSING HISTORY OR LESS THAN 12 MONTHS VERIFIED- comply with the VOM/VOR history on rate sheet and matrices. Per matrix No VOM/VOR - Max Loan amount $2 million. Loan amount less than $2 million. - Due Diligence Vendor-03/06/2026 <br> Counter-Housing history must be documented. If there is not housing history, that must be documented with a rent free letter or proof of free and clear. In this case- review of 1003 indicate borrower is renting. - 5.6 VERIFICATION OF RENT (VOR)• VOR needs to be from an Institutional Landlord, orRental Agency, OR• Private VOR with proof of borrowers payment for most recent 6 months (cancelled checks or bank statements)o Requirement for 6 months proof of payment is waived with minimum credit score of 700 - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Per the noted guideline:<br> 9.3 PAYMENT SHOCK<br> Only applies to loan amounts > $1 Million on purchase of primary residence transactions and is <br> calculated as follows<br>This loan is a business purpose of an investment property and the loan amount is < $1 mil<br> - Seller-02/24/2026 <br> Counter-No document received. Review of guideline indicate-Borrowers who do not have a complete 12-month housing history are subject to the following restrictions:Ÿ Will comply with the VOM/VOR history on rate sheet and matrices.Ÿ See Payment Shock consideration – Section 9.3 Payment Shock- Unable to confirm guidelines are met. Missing VOR and unable to confirm rate adjustment for no mortgage history per matrix. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Guidelines 5.5 do not require ratings for mortgages which are not rate on the credit report. <br> 5.5 For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) <br> along with the subject property. <br> - Seller-02/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing Housing History for Primary Residence, Provide VOR Also missing documentation of Borrower own additional rental property as required per guidelines. - Due Diligence Vendor-02/11/2026 | Ready for Review-Per the noted guideline:<br> 9.3 PAYMENT SHOCK<br> Only applies to loan amounts > $1 Million on purchase of primary residence transactions and is <br> calculated as follows<br>This loan is a business purpose of an investment property and the loan amount is < $1 mil<br> - Seller-02/24/2026 <br> Ready for Review-Guidelines 5.5 do not require ratings for mortgages which are not rate on the credit report. <br> 5.5 For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) <br> along with the subject property. <br> - Seller-02/13/2026 | Resolved-Housing history meets guidelines. Per guides: For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) along with the subject property. For NO HOUSING HISTORY OR LESS THAN 12 MONTHS VERIFIED- comply with the VOM/VOR history on rate sheet and matrices. Per matrix No VOM/VOR - Max Loan amount $2 million. Loan amount less than $2 million. - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 56<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859891 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 23:15 | 2026-03-06 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM dated xxxxxx. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. see page 1 of fraud report , the report was ran on xxxxxx and we cannot update the date on the UDM. this is a no ratio loan, the inquiry on the UDM does not affect the DTI. - Seller-02/24/2026 <br> Counter-Received UDM reflecting current order date xxxxxx. Please provide UDM with order date within 10 days of closing. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED UDM OF FRAUD REPORT . start date xxxxxx, end date xxxxxx - Seller-02/17/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. see page 1 of fraud report , the report was ran on xxxxxx and we cannot update the date on the UDM. this is a no ratio loan, the inquiry on the UDM does not affect the DTI. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED UDM OF FRAUD REPORT . start date xxxxxx, end date xxxxxx - Seller-02/17/2026 | Resolved-Received UDM dated xxxxxx. - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 56<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 |  | xxxxxx UDM.pdf<br> fraud xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859891 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 17:06 | 2026-03-05 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/04/2026 <br> Counter-No new document received. Fraud report provided pg 40 of upload indicate Current owner of unit xxxxxx. Lender indicated they are not able to clear high alerts. Guideline 4.2 indicate- If the TPO cannot electronically access the fraud report to clear high-level alerts within the fraud provider's system, an underwriter's Certification from the TPO is acceptable. The Certification must address each individual high alert and explain what actions were taken to satisfy the issues. It must be signed and dated by a member of the TPO's underwriting staff or operations management personnel. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-We previously provide the comments from underwriting that cleared these items. However, the system will not clear them off the fraud report. The two items are a waterfall. We have no guideline regarding non- arms length transactions or time of last ownership transfer. Our only guideline surrounding this item is that we have confidence in the value. This substantiated by the CDA that is provided in the doc package. - Seller-02/24/2026 <br> Counter-Received duplicate Fraud report. High Alert noted that current purchase and previous purchase within 22 days. Review of Fraud report reflect multiple transfers with current owner listed as xxxxxx purchases from xxxxxx as of xxxxxx. (pg 41 of 59 of Fraud report) - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. please see attached updated xxxxxx - Seller-02/19/2026 <br> Open-Fraud Report Shows Uncleared Alerts All high alerts to be cleared. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/04/2026 <br> Ready for Review-We previously provide the comments from underwriting that cleared these items. However, the system will not clear them off the fraud report. The two items are a waterfall. We have no guideline regarding non- arms length transactions or time of last ownership transfer. Our only guideline surrounding this item is that we have confidence in the value. This substantiated by the CDA that is provided in the doc package. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. please see attached updated xxxxxx - Seller-02/19/2026 | Resolved-Received fraud report. - Due Diligence Vendor-03/05/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 56<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 |  | updated fraud xxxxxx.pdf<br> xxxxxx xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859891 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 16:45 | 2026-02-25 15:26 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Issue Resolved. Builder is not in control of HOA - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. see attached condo questionnaire. There are xxxxxx units in the building. xxxxxx are under contract or sold and xxxxxx are listed for sale – once all the units are sold then it will be transferred after the first 3 months - Seller-02/24/2026 <br> Counter-No document received. Guideline indicates "The developer may be in control of the condominium association provided the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined period.". -- File did not include documentation to confirm percentage or a defined period. Finding remains. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-the guideline allows for the developer to be in control of the association. - Seller-02/13/2026 <br> Open-Builder is in control of HOA - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. see attached condo questionnaire. There are xxxxxx units in the building. xxxxxx are under contract or sold and xxxxxx are listed for sale – once all the units are sold then it will be transferred after the first 3 months - Seller-02/24/2026 <br> Ready for Review-the guideline allows for the developer to be in control of the association. - Seller-02/13/2026 | Resolved-Issue Resolved. Builder is not in control of HOA - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 56<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 |  | dd condo questionaire xxxxxx.png | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859913 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 07:53 | 2026-03-23 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM and OFAC clearances. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. 3/20/26 - Please see OFAC and SAM. Manually uploaded also thru xxxxxx. - Buyer-03/20/2026 <br> Counter-Provide clear OFAC on xxxxxx, the xxxxxx and xxxxxx the LO. They also need Sam.gov on xxxxxx and xxxxxx. We see the high alerts are cleared but we need the actual searches.<br> - Due Diligence Vendor-03/19/2026 <br> Counter-Received Fraud Alert clearance. Missing OFAC and SAM clearance documentation. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. 3/17/26 - please see updated fraud report with cleared responses. - Buyer-03/17/2026 <br> Counter-Received fraud report. Missing clearance of High Alerts, Appraisal Company included in search of interested parties, OFC clearance buyer agent and SAM/OFAC clearance on MLO - Due Diligence Vendor-03/12/2026 <br> Open-Missing Third Party Fraud Report. The Fraud Report is required. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received SAM and OFAC clearances. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.85 |  | xxxxxx (1).pdf<br> OFAC (1).pdf<br> xxxxxx LDP.SAM Complete.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859913 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 18:01 | 2026-03-05 20:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.85 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859914 | xxxxxx C A | Closed | xxxxxx | 2026-02-17 10:25 | 2026-02-26 13:32 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received updated HOI and RCE. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Counter-Received dwelling details reflecting no replacement cost. Please provide RCE to confirm sufficient coverage. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 | Resolved-Received updated HOI and RCE. - Due Diligence Vendor-02/26/2026 | Months Reserves exceed minimum required - 51.16 months reserves; 2 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 |  | xxxxxx - xxxxxx - EOI RCE 2.pdf<br> xxxxxx - xxxxxx - EOI updated.pdf<br> xxxxxx - xxxxxx - RCE.pdf<br> xxxxxx - xxxxxx - EOI updated.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859937 | xxxxxx D A C | Closed | xxxxxx | 2026-02-19 05:25 | 2026-04-28 16:18 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Client provided addendum updated the Sales Price - Due Diligence Vendor-02/25/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide contract addendum with correct purchase price. - Due Diligence Vendor-02/19/2026 |  | Resolved-Client provided addendum updated the Sales Price - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 795<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.7 Borrower has 1.002 Required is 0.75 Borrower has 1.002 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859937 | xxxxxx D A C | Closed | xxxxxx | 2026-02-17 16:35 | 2026-04-28 16:17 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided CDA - Due Diligence Vendor-02/25/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Guidelines state all loans must have a second appraisal, xxxxxx CDA, xxxxxx ARR or equivalent product or field review evidencing a reasonable appraisal value. The secondary valuation is missing from the file. - Due Diligence Vendor-02/17/2026 |  | Resolved-Client provided CDA - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 795<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.7 Borrower has 1.002 Required is 0.75 Borrower has 1.002 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859937 | xxxxxx D A C | Closed | xxxxxx | 2026-02-19 05:41 | 2026-02-25 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Client provided I797. States they have extended the validity period on the I551 for 48 months. - Due Diligence Vendor-02/25/2026 <br> Open-Borrower Citizenship Documentation Is Missing Guidelines state that permanent resident aliens must have valid Green Card, or Alien Registration Card I-551 with no expiration, or Alien Registration Card I-551 with expiration and accompanied by INS Form I-751 (petition to remove conditions). The borrower's permanent resident card expired on xxxxxx and the INS Form I-751 is missing from the file. - Due Diligence Vendor-02/19/2026 |  | Resolved-Client provided I797. States they have extended the validity period on the I551 for 48 months. - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 795<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.7 Borrower has 1.002 Required is 0.75 Borrower has 1.002 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859941 | xxxxxx C A | Closed | xxxxxx | 2026-02-20 10:41 | 2026-03-04 10:34 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Appraised value supported. - Due Diligence Vendor-03/04/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing the second appraisal, xxxxxx CDA, xxxxxx ARR or equivalent product or field review evidencing a reasonable appraisal<br> value as required by the guidelines. - Due Diligence Vendor-02/20/2026 |  | Resolved-Received Desk Review. Appraised value supported. - Due Diligence Vendor-03/04/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR is 1.155, guideline minimum is 0. Required is 0 Borrower has 1.155<br> LTV is less than guideline maximum - Required is 75 Borrower has 70 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859941 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 09:05 | 2026-03-04 10:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Default Rider. - Due Diligence Vendor-03/04/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the default interest rate rider to mortgage. - Due Diligence Vendor-02/23/2026 |  | Resolved-Received Default Rider. - Due Diligence Vendor-03/04/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR is 1.155, guideline minimum is 0. Required is 0 Borrower has 1.155<br> LTV is less than guideline maximum - Required is 75 Borrower has 70 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859962 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 09:28 | 2026-04-15 10:43 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-04/09/2026 <br> Open-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. - HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-04/09/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-04/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.81<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br> LTV is less than guideline maximum - Required is 70 Borrower has 65 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 859962 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 15:07 | 2026-04-14 10:05 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received quit claim deed. - Due Diligence Vendor-04/14/2026 <br> Open-Vested Owner Signature Requirement Not met. Missing QCD from xxxxxx to the borrower - Due Diligence Vendor-04/09/2026 |  | Resolved-Received quit claim deed. - Due Diligence Vendor-04/14/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.81<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br> LTV is less than guideline maximum - Required is 70 Borrower has 65 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860004 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:54 | 2026-03-06 10:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA validation. - Due Diligence Vendor-03/06/2026 <br> Counter-Please validate PITIA for xxxxxx and xxxxxx xxxxxx. - Due Diligence Vendor-03/03/2026 <br> Counter-Pending: Missing proof that the two REO under xxxxxx of the 1003 (xxxxxx and xxxxxx xxxxxx) have mortgage payments that are escrowed. Review needs PITIA validation. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Pending validation of PITIA of REO- From who are we pending this from?<br>- Buyer-02/27/2026 <br> Counter-Pending validation of PITIA of REO - Due Diligence Vendor-02/27/2026 <br> Ready for Review-xxxxxx was the servicer for REO located at xxxxxx, which was a concurrent file. Therefore, the information on the 1003 was updated to reflect the proposed servicer (xxxxxx) along with corresponding PITIA - Seller-02/26/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 12 month housing history for REO under xxxxxx of the 1003 (xxxxxx). Unable to link this mortgage to the credit report. - Due Diligence Vendor-02/18/2026 | Ready for Review-xxxxxx was the servicer for REO located at xxxxxx, which was a concurrent file. Therefore, the information on the 1003 was updated to reflect the proposed servicer (xxxxxx) along with corresponding PITIA - Seller-02/26/2026 | Resolved-Received PITIA validation. - Due Diligence Vendor-03/06/2026 | Verified employment history exceeds guidelines - 18 years owning same business.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 721 Min FICO = 700 Required is 700 Borrower has 721 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860004 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:39 | 2026-03-06 10:49 | 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. - Due Diligence Vendor-03/06/2026 <br> Counter-Please validate PITIA for xxxxxx and xxxxxx xxxxxx. - Due Diligence Vendor-03/03/2026 <br> Counter-Please provide documentation to add original finding: Missing proof that the two REO under xxxxxx of the 1003 (xxxxxx and xxxxxx xxxxxx) have mortgage payments that are escrowed. Review need PITIA validation. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Can you clarify why we need the Note & CD for xxxxxx xxxxxx? xxxxxx xxxxxx wasn't a concurrent file - Buyer-02/26/2026 <br> Counter-Please provide document instead of page numbers as the documents sent in are extracted and pages numbers will not match the document you intend for review - Due Diligence Vendor-02/25/2026 <br> Counter-Received Note and CD for xxxxxx. Missing Note and CD for xxxxxx xxxxxx. - Due Diligence Vendor-02/23/2026 <br> Open-Missing proof that the two REO under xxxxxx of the 1003 (xxxxxx and xxxxxx xxxxxx) have mortgage payments that are escrowed. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received PITIA validation. - Due Diligence Vendor-03/06/2026 | Verified employment history exceeds guidelines - 18 years owning same business.<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 721 Min FICO = 700 Required is 700 Borrower has 721 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860004 | xxxxxx D A | Closed | xxxxxx | 2026-02-12 13:31 | 2026-03-06 10:40 | 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-03/06/2026 <br> Counter-Please provide all documents sent for recording for the Deed of Trust. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Could you please confirm what alternative documentation would be acceptable to satisfy this requirement?<br>- Buyer-03/03/2026 <br> Counter-Please provide complete security instrument with legal description attached. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-email submitted stated chain of title cannot be provide. Can you please advise what else can be provide to cure this condition? xxxxxx<br> - Seller-02/26/2026 <br> Counter-For clarification: please provide complete security instrument with legal description attached. - Due Diligence Vendor-02/26/2026 <br> Counter-Received Legal Description. Please provide chain to confirm legal recorded with Deed of Trust. - Due Diligence Vendor-02/23/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-02/12/2026 | Ready for Review-email submitted stated chain of title cannot be provide. Can you please advise what else can be provide to cure this condition? xxxxxx<br> - Seller-02/26/2026 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/06/2026 | Verified employment history exceeds guidelines - 18 years owning same business.<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 721 Min FICO = 700 Required is 700 Borrower has 721 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860004 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:52 | 2026-03-03 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payoff statement confirming xxxxxxxx Mtg reflecting on credit report is tied to xxxxxx - Due Diligence Vendor-03/03/2026 <br> Counter-Please provide supporting documentation xxxxxxxx is the servicer for xxxxxx - Due Diligence Vendor-02/27/2026 <br> Ready for Review-xxxxxx was the servicer for REO located at xxxxxx, which was a concurrent file. Therefore, the information on the 1003 was updated to reflect the proposed servicer (xxxxxx) along with corresponding PITIA. - Buyer-02/26/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history for REO under xxxxxx of the 1003 (xxxxxx). Unable to link this mortgage to the credit report. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received payoff statement confirming xxxxxxxx Mtg reflecting on credit report is tied to xxxxxx - Due Diligence Vendor-03/03/2026 | Verified employment history exceeds guidelines - 18 years owning same business.<br> Qualifying FICO score is at least 20 points above minimum for program - FICO = 721 Min FICO = 700 Required is 700 Borrower has 721 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860004 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 15:54 | 2026-02-23 11:21 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Lender provided CD to confirm xxxxxx is xxxxxx property. - Due Diligence Vendor-02/23/2026 <br> Open-Lender to disclose which property the xxxxxx mtg ending 1122 belongs to as it does not appear on the 1003. - Due Diligence Vendor-02/18/2026 |  | Resolved-Lender provided CD to confirm xxxxxx property. - Due Diligence Vendor-02/23/2026 | Verified employment history exceeds guidelines - 18 years owning same business.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 721 Min FICO = 700 Required is 700 Borrower has 721 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860010 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 15:18 | 2026-02-20 09:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Waived-Client waiver applied to non-material finding with compensating factors. Exception for cash out letter, no personal debt paid on the closing disclosure. - Due Diligence Vendor-02/20/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Guidelines state cash out proceeds may be used for business purposes only and a LOE will be required for closing. - Due Diligence Vendor-02/19/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for cash out letter, no personal debt paid on the closing disclosure. - Due Diligence Vendor-02/20/2026 | DSCR % greater than 1.20 - <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 750 | 760 fico<br> 1.481 DSCR |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860012 | xxxxxx C B A | Closed | xxxxxx | 2026-03-05 12:43 | 2026-03-20 13:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves of 2 months<3 months required, applied to non material finding with comp factors - Due Diligence Vendor-03/20/2026 <br> Open-Audited Reserves of 2.15 month(s) are less than Guideline Required Reserves of 3 month(s) Lender did not use the most recent bank statement available from the business checking \*50. - Due Diligence Vendor-03/05/2026 |  | Waived-Client provided a waiver for reserves of 2 months<3 months required, applied to non material finding with comp factors - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 41.69 Required is 85 Borrower has 41.69<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 682 Required is 620 Borrower has 682<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.52 Required is 50 Borrower has 17.52 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required <br> DTI <= 36% which is below requirement in guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 860038 | xxxxxx C B A | Closed | xxxxxx | 2026-03-09 09:35 | 2026-04-17 09:54 | Resolved | 1 - Information C A | Credit | Eligibility | Open Current Charge offs | Resolved-Received revised 1003 and 1008 including 5% of charge-off in dti. - Due Diligence Vendor-04/17/2026 <br> Counter-Received note from originator: credit refresh reflects charge-off Affirm reflects zero balance. Review: Credit refresh received dated 2/20 reflects open balance due of $3,677. - Due Diligence Vendor-04/16/2026 <br> Counter-Rent receipts for January and February Provided. Finding is for charge-off. - Due Diligence Vendor-04/10/2026 <br> Open-lender to provide proof charge-off with xxxxxx $3677 was paid at or prior to closing. Amount exceeds more than $2,000. Additional condition may apply - Due Diligence Vendor-03/11/2026 |  | Resolved-Received revised 1003 and 1008 including 5% of charge-off in dti. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - reserves required zero months. borrower has 45.68 months.<br> LTV is less than guideline maximum - Required is 70 Borrower has 62.5 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860038 | xxxxxx C B A | Closed | xxxxxx | 2026-03-09 09:21 | 2026-04-13 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lease with two months rent verified. - Due Diligence Vendor-04/13/2026 <br> Counter-Rent receipts for January and February Provided. Finding is for DTI. - Due Diligence Vendor-04/10/2026 <br> Counter-Received lease for xxxxxx. Missing proof of 2 months rental income per guideline 6.8 - Due Diligence Vendor-03/23/2026 <br> Open-Audited DTI of 68.77% exceeds Guideline DTI of 50% verified DTI 68.77% \| lender DTI 47.6% <br> Lender has REO property xxxxxx on 1003; however did not calculate/include borrower with liability: Monthly PITI =$1,799.15. primary reason for DTI discrepancy. - Due Diligence Vendor-03/09/2026 |  | Resolved-Lease with two months rent verified. - Due Diligence Vendor-04/13/2026 | Months Reserves exceed minimum required - reserves required zero months. borrower has 45.68 months.<br> LTV is less than guideline maximum - Required is 70 Borrower has 62.5 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860038 | xxxxxx C B A | Closed | xxxxxx | 2026-03-09 09:37 | 2026-03-11 15:52 | 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- to allow for FICO of 669 and a 1x30x12. - Due Diligence Vendor-03/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements EXCEPTION REQUEST: Housing payment history 1x30x12 with FICO less than 680 (borrower fico 669). Exception approval in file. - Due Diligence Vendor-03/09/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors- to allow for FICO of 669 and a 1x30x12. - Due Diligence Vendor-03/11/2026 | Months Reserves exceed minimum required - reserves required zero months. borrower has 45.68 months.<br> LTV is less than guideline maximum - Required is 70 Borrower has 62.5 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines (LTV 62.50%)<br> 45.68 months reserves <br> Total Debt Payment Total debt payment reduced more than $200 per month |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860054 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860060 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860088 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860133 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 07:42 | 2026-03-13 08:30 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-03/13/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,440.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,360.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $7,360.00 to $6,440.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $920.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-03/13/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.01 Required is 50 Borrower has 34.01<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 756 Required is 720 Borrower has 756 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860142 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860253 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 09:28 | 2026-03-16 11:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/16/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage amount is missing - Due Diligence Vendor-03/03/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Required is 660 Borrower has 764<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 Required is 50 Borrower has 43.59 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860253 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 09:52 | 2026-03-16 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, amended escrow instruction were located in the original submission loan package. - Due Diligence Vendor-03/11/2026 <br> Counter-Seller Counter offer No.1 located in the loan file, however it states the Purchase Price is xxxxxx. Please provide accepted counter of xxxxxx - Due Diligence Vendor-03/10/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Contract price is xxxxxx. Per appraisal and CD the price is xxxxxx - Due Diligence Vendor-03/03/2026 |  | Resolved-Upon further review, amended escrow instruction were located in the original submission loan package. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Required is 660 Borrower has 764<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 Required is 50 Borrower has 43.59 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860253 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 09:52 | 2026-03-16 11:16 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/16/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Required is 660 Borrower has 764<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 Required is 50 Borrower has 43.59 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860253 | xxxxxx D A C | Closed | xxxxxx | 2026-03-04 11:55 | 2026-03-11 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Transcripts were located in the original submitted loan package. - Due Diligence Vendor-03/11/2026 <br> Counter-Received rebuttal. Please provide 4506 C as full income considered in qualifying as required for securitization. - Due Diligence Vendor-03/06/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/04/2026 |  | Resolved-Transcripts were located in the original submitted loan package. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Required is 660 Borrower has 764<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 Required is 50 Borrower has 43.59 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860253 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 09:18 | 2026-03-06 10:57 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Articles of Inc. - Due Diligence Vendor-03/06/2026 <br> Open-The Business Entity Formation Document is incomplete Missing Articles of Organization - Due Diligence Vendor-03/03/2026 |  | Resolved-Received Articles of Inc. - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Required is 660 Borrower has 764<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 Required is 50 Borrower has 43.59 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860253 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 11:27 | 2026-03-06 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received gift letter and gift receipt of funds from title. Sufficient reserves - Due Diligence Vendor-03/06/2026 <br> Open-Audited Reserves of 6.99 month(s) are less than Guideline Required Reserves of 9 month(s) Borrower is short cash to close and reserves. Missing additional $50,000 gift. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received gift letter and gift receipt of funds from title. Sufficient reserves - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Required is 660 Borrower has 764<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59 Required is 50 Borrower has 43.59 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860284 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 06:40 | 2026-03-19 10:43 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received addendum reflecting final purchase price. - Due Diligence Vendor-03/19/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide addendum reflecting the correct purchase price. - Due Diligence Vendor-03/16/2026 |  | Resolved-Received addendum reflecting final purchase price. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860309 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 13:23 | 2026-03-05 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received corrected 1003 and LOE confirming BK marked in error. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/04/2026 <br> Counter-Received revised 1003. Missing letter of explanation for error. - Due Diligence Vendor-03/04/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Loan application indicates recent bankruptcy - no documentation in file. - Due Diligence Vendor-02/26/2026 |  | Resolved-Received corrected 1003 and LOE confirming BK marked in error. - Due Diligence Vendor-03/05/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.92 Required is 50 Borrower has 43.92<br> LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 774 Required is 720 Borrower has 774 |  | PC CERT reg 1003 incorrect box.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860309 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 14:25 | 2026-03-04 10:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 5 Months Income Verified is Missing | Resolved-Received REO schedule calculation. - Due Diligence Vendor-03/04/2026 <br> Open-Income 5 Months Income Verified is Missing Rental property does not have tax and HOA figure - Due Diligence Vendor-02/27/2026 |  | Resolved-Received REO schedule calculation. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.92 Required is 50 Borrower has 43.92<br> LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 774 Required is 720 Borrower has 774 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860309 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 10:54 | 2026-02-24 13:46 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material Findings - Due Diligence Vendor-02/24/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non-material Findings - Due Diligence Vendor-02/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.92 Required is 50 Borrower has 43.92<br> LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 774 Required is 720 Borrower has 774 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860313 | xxxxxx B A | Closed | xxxxxx | 2026-03-02 10:52 | 2026-03-02 10:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.15<br> CLTV is less than guidelines maximum - Required is 75 Borrower has 69.06 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 860313 | xxxxxx B A | Closed | xxxxxx | 2026-03-02 08:59 | 2026-03-02 08:59 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) ----- Homeownership Counseling list of 10 agencies missing only the acknowledgment is in file. - Due Diligence Vendor-03/02/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) ----- Homeownership Counseling list of 10 agencies missing only the acknowledgment is in file. - Due Diligence Vendor-03/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.15<br> CLTV is less than guidelines maximum - Required is 75 Borrower has 69.06 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 860316 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 07:03 | 2026-03-12 12:53 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received acquisition settlement statement confirming xxxxxx was paid. - Due Diligence Vendor-03/12/2026 <br> Open-ATR: The Lender did not document all ATR Factors Missing xxxxxx documentation. Appraisal notes owned xxxxxx and includes grid adjustments. No UCC noted on title. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-03/09/2026 |  | Resolved-Received acquisition settlement statement confirming xxxxxx was paid. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.22 Required is 50 Borrower has 32.22<br> LTV is less than guideline maximum - Required is 90 Borrower has 28.57 Required is 90 Borrower has 28.57<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 Required is 660 Borrower has 751 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860316 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 07:02 | 2026-03-12 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received final settlement from purchase of subject reflecting xxxxxx loan paid. - Due Diligence Vendor-03/12/2026 <br> Open-Missing xxxxxx documentation. Appraisal notes owned xxxxxx and includes grid adjustments. No UCC noted on title. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received final settlement from purchase of subject reflecting xxxxxx loan paid. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.22 Required is 50 Borrower has 32.22<br> LTV is less than guideline maximum - Required is 90 Borrower has 28.57 Required is 90 Borrower has 28.57<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 Required is 660 Borrower has 751 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860316 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 06:42 | 2026-03-12 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received copy of SS card clearing alert. - Due Diligence Vendor-03/12/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for borrower's SSN was cleared. - Due Diligence Vendor-03/09/2026 |  | Resolved-Received copy of SS card clearing alert. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.22 Required is 50 Borrower has 32.22<br> LTV is less than guideline maximum - Required is 90 Borrower has 28.57 Required is 90 Borrower has 28.57<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 Required is 660 Borrower has 751 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860330 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 11:01 | 2026-03-16 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 2.38 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s). After further review, reserves are based on P & I only. - Due Diligence Vendor-03/13/2026 <br> Open-Audited Reserves of 1.87 month(s) are less than Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-03/11/2026 |  | Resolved-Audited Reserves of 2.38 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s). After further review, reserves are based on P & I only. - Due Diligence Vendor-03/13/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - $7900 disposable income exceeds $5250<br> On time mortgage history exceeds guideline requirement - Housing History exceeds 0x30x12 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860330 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 08:28 | 2026-03-10 09:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-03/10/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-03/10/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - $7900 disposable income exceeds $5250<br> On time mortgage history exceeds guideline requirement - Housing History exceeds 0x30x12 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860353 | xxxxxx B A | Closed | xxxxxx | 2026-03-31 12:05 | 2026-04-01 15:55 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------Compliant xxxxxx Subprime- APR on subject loan of 6.964% is within allowable threshold of APOR of 5.98% + 1.75% or 7.73%. - Due Diligence Vendor-04/01/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.964% is within allowable threshold of APOR of 5.98% + 1.75% or 7.73%. - Due Diligence Vendor-03/31/2026 |  | Resolved------Compliant xxxxxx Subprime- APR on subject loan of 6.964% is within allowable threshold of APOR of 5.98% + 1.75% or 7.73%. - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 775<br> LTV is less than guideline maximum - Required is 90 Borrower has 69.84<br> Qualifying DTI below maximum allowed - Required is 45 Borrower has 34.96 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860360 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860370 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 12:52 | 2026-03-16 08:39 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/16/2026 <br> Open-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. - Due Diligence Vendor-03/11/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.33 Required is 50 Borrower has 18.33<br> Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.19 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860377 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860395 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 08:49 | 2026-03-16 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received confirmation of ownership of business assets and reserves are based on P&I. - Due Diligence Vendor-03/16/2026 <br> Open-Audited Reserves of 3.73 month(s) are less than Guideline Required Reserves of 4 month(s). Provide additional assets to cover requirement. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received confirmation of ownership of business assets and reserves are based on P&I. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.21 Required is 50 Borrower has 36.21<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 702 Required is 680 Borrower has 702 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860395 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 08:51 | 2026-03-16 11:27 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Art of Org confirming ownership of assets. - Due Diligence Vendor-03/16/2026 <br> Counter-Received statement of information. Missing Art of Org or Stock ownership confirming borrowers ownership. - Due Diligence Vendor-03/12/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation documenting borrower is owner of business that is account holder for xxxxxx account. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received Art of Org confirming ownership of assets. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.21 Required is 50 Borrower has 36.21<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 702 Required is 680 Borrower has 702 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-03-13 11:14 | 2026-04-02 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.89% is less than or equal to Guideline DTI of 49.99%. Updated balance provided for xxxxxx account confirming less than 10 payments remain. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. We have the same income but different debt info.<br>Please check if the liabilities below were omitted. They should be omitted<br>xxxxxx<br>xxxxxx<br>For your reference, we've also highlighted the relevant information on post 1003. Please have it reviewed.<br> - Seller-03/31/2026 <br> Counter-Received SSI and updated 1003. Review included award amount. DTI 51.87%. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. please review the updated income - Seller-03/24/2026 <br> Counter-Finding remains. Per GL 10.5 Calculation: Use current amount from documentation - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. xxxxxx team, <br>Please find the attached documents regarding the social security income.<br>As per our underwriter's instructions, the income was grossed up due to it being nontaxable.<br>Based on our UW rational, please clear this condition.. - Seller-03/17/2026 <br> Open-Audited DTI of 56.8% exceeds Guideline DTI of 49.99%. Updated income calc provided for the borrower, which reduced the income to qualify. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. We have the same income but different debt info.<br>Please check if the liabilities below were omitted. They should be omitted<br>xxxxxx<br>xxxxxx<br>For your reference, we've also highlighted the relevant information on post 1003. Please have it reviewed.<br> - Seller-03/31/2026 <br> Ready for Review-Document Uploaded. please review the updated income - Seller-03/24/2026 <br> Ready for Review-Document Uploaded. xxxxxx team, <br>Please find the attached documents regarding the social security income.<br>As per our underwriter's instructions, the income was grossed up due to it being nontaxable.<br>Based on our UW rational, please clear this condition.. - Seller-03/17/2026 | Resolved-Audited DTI of 46.89% is less than or equal to Guideline DTI of 49.99%. Updated balance provided for xxxxxx account confirming less than 10 payments remain. - Due Diligence Vendor-04/02/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | Untitled Extract Pages.pdf<br> Re_ Post Closing Condition_ xxxxxx xxxxxx.zip<br> xxxxxx xxxxxx (3).pdf<br> xxxxxx-K3s1V10 (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 22:19 | 2026-04-02 11:46 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Audited DTI of 46.89% is less than or equal to Guideline DTI of 49.99%. Updated balance provided for xxxxxx account confirming less than 10 payments remain. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. We have the same income but different debt info.<br>Please check if the liabilities below were omitted. They should be omitted<br>xxxxxx<br>xxxxxx<br>For your reference, we've also highlighted the relevant information on post 1003. Please have it reviewed.<br>xxxxxx.<br> - Seller-03/31/2026 <br> Counter-Pending resolution if the DTI exceeds finding. - Due Diligence Vendor-03/13/2026 <br> Counter-Pending confirmation of deposit income for B1, bank statement analysis and clarification of final income for B1 and B2 - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documentation that may affect DTI. Also missing housing history for B1 - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. We have the same income but different debt info.<br>Please check if the liabilities below were omitted. They should be omitted<br>xxxxxx<br>xxxxxx<br>For your reference, we've also highlighted the relevant information on post 1003. Please have it reviewed.<br>xxxxxx.<br> - Seller-03/31/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 | Resolved-Audited DTI of 46.89% is less than or equal to Guideline DTI of 49.99%. Updated balance provided for xxxxxx account confirming less than 10 payments remain. - Due Diligence Vendor-04/02/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | xxxxxx_worksheet.pdf<br> xxxxxx-K3s1V10 (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 09:28 | 2026-04-02 11:45 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, loan file contained an unexpired gap report for b2. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. kindy review the attached credit refresh - Seller-02/19/2026 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. kindy review the attached credit refresh - Seller-02/19/2026 | Resolved-Upon further review, loan file contained an unexpired gap report for b2. - Due Diligence Vendor-02/20/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | xxxxxx-V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 09:53 | 2026-04-02 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The co-borrower owns a home and the borrower lived with the co-borrower and her mother. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-The borrower 1 has lived with the Borrower 2. Our UW confirmed that rent-free letter is not really necessary. Please clear this condition. - Seller-02/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing LOX for living rent free - Due Diligence Vendor-02/17/2026 | Ready for Review-The borrower 1 has lived with the Borrower 2. Our UW confirmed that rent-free letter is not really necessary. Please clear this condition. - Seller-02/24/2026 | Resolved-The co-borrower owns a home and the borrower lived with the co-borrower and her mother. - Due Diligence Vendor-03/02/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | xxxxxx_Mortgage Statement (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 07:55 | 2026-03-13 11:17 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Document Uploaded. Updated bank statements provided highlighting all of the excluded deposits not used in qualifying. Remaining deposits are confirmed to be the borrower's income from self-employment. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. We would like to clarify that the xxxxxx xxxxxx Bank account ending in xxxxxx is a personal account, not a business account. The deposits made to this account are insurance commission payments, and as it is a jointly held personal account, there is no ownership percentage to provide.<br> Additionally, the attached CPA letter, which was already included in the closing package, clearly states that xxxxxx owns 100% of the income derived from her sole proprietorship as reflected in the statement.<br> We kindly request that this condition be cleared based on the above clarifications. - Seller-03/09/2026 <br> Counter-Received CPA letter confirming self employment. Please address original finding. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-Income and Employment Do Not Meet Guidelines Personal Bank Statement using as Business xxxxxx Acct#xxxxxx for B1 xxxxxx are joint with xxxxxx, CPA to provide confirmation of the ownership Percentage of the total monthly Deposits that Belong to B1 xxxxxx Schedule C Income. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. We would like to clarify that the xxxxxx xxxxxx Bank account ending in xxxxxx is a personal account, not a business account. The deposits made to this account are insurance commission payments, and as it is a jointly held personal account, there is no ownership percentage to provide.<br> Additionally, the attached CPA letter, which was already included in the closing package, clearly states that xxxxxx owns 100% of the income derived from her sole proprietorship as reflected in the statement.<br> We kindly request that this condition be cleared based on the above clarifications. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 | Resolved-Document Uploaded. Updated bank statements provided highlighting all of the excluded deposits not used in qualifying. Remaining deposits are confirmed to be the borrower's income from self-employment. - Due Diligence Vendor-03/13/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | xxxxxx_CPA letter.pdf<br> xxxxxx xxxxxx (2).pdf<br> xxxxxx_Income Calculation_.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 22:15 | 2026-02-27 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement worksheet - 1003 - 1008 - with updated B1 income matching worksheet - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Counter-Received business bank statement analysis but income does not mirror 1008 or total income from final 1003. Clarify income for B1 and B2 - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the worksheet for the income calculated for B1 Bank Statement Business xxxxxx Acct#xxxxxx . This account is also joint with a TP. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 | Resolved-Received bank statement worksheet - 1003 - 1008 - with updated B1 income matching worksheet - Due Diligence Vendor-02/27/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | xxxxxx_worksheet.pdf<br> b1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 07:55 | 2026-02-25 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. kindly refer to the pg. 460 - the attached vvoe is already included in closing package; please clear the condition - Seller-02/19/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party VOE for Borr1 xxxxxx - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. kindly refer to the pg. 460 - the attached vvoe is already included in closing package; please clear the condition - Seller-02/19/2026 | Resolved-Received VOE. - Due Diligence Vendor-02/20/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  | xxxxxx_VVOEVOB [All].pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860405 | xxxxxx D B A | Closed | xxxxxx | 2026-02-12 13:18 | 2026-02-12 13:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-02/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-02/12/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br> Credit history exceeds minimum required - Credit History = 224 Months Minimum Credit History = 24 Months<br> Qualifying FICO score is at least 20 points above minimum for program - 768 score exceeds 700 minimum. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860409 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860421 | xxxxxx D A C | Closed | xxxxxx | 2026-02-23 14:03 | 2026-03-09 13:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD reflecting effected fees paid to lender in Section A. Finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-03/05/2026 <br> Counter-The fees are in Section B as stated, the payee in Section B cannot be the lender. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Finding remains. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-xxxxxx those items are always reflected on section B so could you please waive this condition? - Seller-02/27/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Flood Certification Fee, Tax Service Fee, and xxxxxx Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. PCCD attached - Seller-03/05/2026 <br> Ready for Review-xxxxxx those items are always reflected on section B so could you please waive this condition? - Seller-02/27/2026 | Resolved-Received PCCD reflecting effected fees paid to lender in Section A. Finding resolved. - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.69<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 |  | Post_CD_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860421 | xxxxxx D A C | Closed | xxxxxx | 2026-02-26 14:37 | 2026-03-06 16:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, the loan file contained all required income documentation - Due Diligence Vendor-03/06/2026 <br> Ready for Review-xxxxxx CPA letter in closing package is sufficient to clear condition can you please re review - Seller-03/05/2026 <br> Counter-Missing CPA confirming financials have been reviewed and confirming expense factor being used. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Can you elaborate what your asking for? - Seller-02/27/2026 <br> Open-Borrower 1 CPA Letter Missing Missing verification of the business expense factor - Due Diligence Vendor-02/26/2026 | Ready for Review-xxxxxx CPA letter in closing package is sufficient to clear condition can you please re review - Seller-03/05/2026 <br> Ready for Review-Can you elaborate what your asking for? - Seller-02/27/2026 | Resolved-Upon further review, the loan file contained all required income documentation - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.69<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860421 | xxxxxx D A C | Closed | xxxxxx | 2026-02-26 14:22 | 2026-03-04 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2026 | Resolved-Received HOA questionnaire - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.69<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 |  | Untitled Extract Pages.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860421 | xxxxxx D A C | Closed | xxxxxx | 2026-02-26 14:37 | 2026-03-04 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/03/2026 | Resolved-Received business bank statement analysis - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.69<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 |  | 12 (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860421 | xxxxxx D A C | Closed | xxxxxx | 2026-02-26 14:40 | 2026-03-02 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received GAP credit with no new inquiries. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-02/27/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-02/27/2026 | Resolved-Received GAP credit with no new inquiries. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.69<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 |  | Credit_Report_xxxxxxa.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860421 | xxxxxx D A C | Closed | xxxxxx | 2026-02-23 14:03 | 2026-03-02 08:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-02/27/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. PCCD attached - Seller-02/27/2026 | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.69<br> LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 |  | Post_CD_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860423 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860427 | xxxxxx D B A | Closed | xxxxxx | 2026-03-11 10:39 | 2026-03-19 08:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received completed 1003. Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Counter-Need a completed Final signed 1003, Section 5 is not complete on the final signed 1003. - Due Diligence Vendor-03/16/2026 <br> Open-The Final 1003 is Incomplete Please provide full executed final 1003 - Due Diligence Vendor-03/11/2026 |  | Resolved-Received completed 1003. Finding resolved. - Due Diligence Vendor-03/19/2026 | Months Reserves exceed minimum required - 0 months required - have 33.61 months<br> CLTV is less than guidelines maximum - Required is 75 Borrower has 64.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860427 | xxxxxx D B A | Closed | xxxxxx | 2026-03-11 10:45 | 2026-03-11 11:36 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | Months Reserves exceed minimum required - 0 months required - have 33.61 months<br> CLTV is less than guidelines maximum - Required is 75 Borrower has 64.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860486 | xxxxxx D A | Closed | xxxxxx | 2026-03-31 17:56 | 2026-04-07 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-04/07/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Guidelines state a credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Any new debt must be included in determining the DTI ratio. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received Gap report. - Due Diligence Vendor-04/07/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 57.17<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.8 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860497 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 07:26 | 2026-03-31 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-xxxxxx SOS provided confirming the borrower is not a register agent of the selling LLC. - Due Diligence Vendor-03/31/2026 <br> Counter-Operating agreement is required to determine the borrower has no interest in the sellers company. - Due Diligence Vendor-03/26/2026 <br> Open-Missing operating agreement for seller, xxxxxx, to verify members authorized to complete the transaction. - Due Diligence Vendor-03/19/2026 |  | Resolved-xxxxxx SOS provided confirming the borrower is not a register agent of the selling LLC. - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - DTI is 23.34% - Max is 50%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO is 805 - minimum is 680 - 125 pts above |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860497 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 08:11 | 2026-03-26 13:15 | 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-03/26/2026 <br> Open-Need for property xxxxxx on 1003 - HOI policy to verify premium amount as document in file does not reflect premium amount.<br> Need for property xxxxxx - lien report to verify property is owned free & clear as HOI does not reflect mortgagee section. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received missing REO documentation. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - DTI is 23.34% - Max is 50%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO is 805 - minimum is 680 - 125 pts above |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860497 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 16:06 | 2026-03-26 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received Budget. - Due Diligence Vendor-03/26/2026 <br> Open-Need most recent annual Budget: If there is less than 10% allocated for reserves, it is permitted if there is documentation to support that the developer is contributing reserves from each unit that is sold. If replacement reserves are less than 10% or greater than 7% - current reserve balance must exceed 10% of operating expenses; if less than 7% current reserve balance must exceed 20% of operating expenses. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received Budget. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - DTI is 23.34% - Max is 50%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO is 805 - minimum is 680 - 125 pts above |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860497 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 06:11 | 2026-03-26 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Upon further review, all required income documents were located in the loan file. - Due Diligence Vendor-03/26/2026 <br> Open-Borrower 1 W2/1099 Missing missing 2 years w-2 - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, all required income documents were located in the loan file. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - DTI is 23.34% - Max is 50%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO is 805 - minimum is 680 - 125 pts above |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860497 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 12:58 | 2026-03-23 07:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Open-Missing e-Consent. Missing e-consent - Due Diligence Vendor-03/17/2026 |  | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - DTI is 23.34% - Max is 50%<br> Qualifying FICO score is at least 20 points above minimum for program - FICO is 805 - minimum is 680 - 125 pts above |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 860499 | xxxxxx B A | Closed | xxxxxx | 2026-03-15 13:21 | 2026-03-15 13:44 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. xxxxxx waiver applied to non-material Findings. - Due Diligence Vendor-03/15/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. xxxxxx waiver applied to non-material Findings. - Due Diligence Vendor-03/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81<br> CLTV is less than guidelines maximum - Required is 90 Borrower has 61.8 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 860543 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 14:12 | 2026-04-28 16:18 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-04/02/2026 <br> Open-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. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/02/2026 | Months Reserves exceed minimum required - 52 months reserves<br> Long term residence - In subject 9 years |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860543 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 13:49 | 2026-04-07 09:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Open-Missing e-Consent. ---- Missing e-Consent/Tracking Disclosure, please provide copy - Due Diligence Vendor-03/31/2026 |  | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-04/07/2026 | Months Reserves exceed minimum required - 52 months reserves<br> Long term residence - In subject 9 years |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860571 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 10:50 | 2026-03-26 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-After further review, the loan is a 1-year full doc loan and the lender's guides do not require a 4506. - Due Diligence Vendor-03/26/2026 <br> Counter-Received rebuttal. 4506 C is required for securitization on full doc/full income verified transactions. - Due Diligence Vendor-03/24/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Additional findings may apply - Due Diligence Vendor-03/18/2026 |  | Resolved-After further review, the loan is a 1-year full doc loan and the lender's guides do not require a 4506. - Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 15.71<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 819 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860574 | xxxxxx B A | Closed | xxxxxx | 2026-03-11 12:45 | 2026-03-11 13:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 45 Borrower has 25.15<br> LTV is less than guideline maximum - Required is 90 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860586 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 18:31 | 2026-03-17 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-03/17/2026 <br> Open-Audited Reserves of 1.68 month(s) are less than Guideline Required Reserves of 4 month(s) Provide additional assets to cover 4 months reserve requirement. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.36 Required is 50 Borrower has 42.11<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860586 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 16:22 | 2026-03-17 11:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received CPA letter confirming ownership and no negative impact of business use of funds. - Due Diligence Vendor-03/17/2026 <br> Open-Missing documentation of LLC ownership named on statement - Due Diligence Vendor-03/11/2026 |  | Resolved-Received CPA letter confirming ownership and no negative impact of business use of funds. - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.36 Required is 50 Borrower has 42.11<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860590 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860591 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 13:05 | 2026-03-23 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM clearance. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. 3/19/26 - SAM for borrower uploaded. Manually uploaded via xxxxxx - Buyer-03/19/2026 <br> Counter-Received fraud and clearance. Missing SAM clearance for borrower. - Due Diligence Vendor-03/19/2026 <br> Open-Missing Third Party Fraud Report High alerts to be cleared, ofac/exclusionary lists to be checked. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received SAM clearance. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.35<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $19,000 residual income exceed $5250. |  | xxxxxx LDP.SAM Complete.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860594 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 08:37 | 2026-04-07 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. No new debt acquired. - Due Diligence Vendor-04/07/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/02/2026 |  | Resolved-Received LOX for credit inquiries. No new debt acquired. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 797<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.13<br> LTV is less than guideline maximum - Required is 85 Borrower has 70 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 11:19 | 2026-04-29 11:42 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/18/2026 <br> Open-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. - Due Diligence Vendor-03/16/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/18/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 16:48 | 2026-04-15 10:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Employment documents received - Due Diligence Vendor-04/15/2026 <br> Counter-Pending resolution of employment findings. - Due Diligence Vendor-04/01/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for additional documentation for subject property new construction taxes and length of self-employment. <br> - Due Diligence Vendor-03/16/2026 |  | Resolved-Employment documents received - Due Diligence Vendor-04/15/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 16:12 | 2026-04-15 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review CPA letter meet guidelines - Due Diligence Vendor-04/15/2026 <br> Counter-Received CPA xxxxxx license validation. Missing clarification on how CPA verified length of self-employed. Borrower's perm residency granted xxxxxx from xxxxxx. 1003 shows borrower has been in the xxxxxx for less than 2-years and was previously residing in xxxxxx. Per credit and fraud borrower has no housing presence in the xxxxxx until xxxxxx. Was self-employment since xxxxxx based in xxxxxx or xxxxxx? If xxxxxx how were taxes filed prior to perm residency? If in xxxxxx, how did CPA verify? Additional findings may apply. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/13/2026 <br> Counter-Client Comments - CPA is not required to be licensed in the same state nor do we require a CPA to provide support for their letters. These are licensed professionals and we have no right to question the integrity of their letters - AUDIT RESPONSE - Please address the original findings. CPA verification and the multiple employment/residency questions. - Due Diligence Vendor-04/01/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter provided. Missing evidence State CPA license verified by license or screenshot from state licensing authority as required per 1.7.8. License must be from xxxxxx where borrower and business reside and operate. Also missing clarification on how CPA verified length of self-employed. Borrower's perm residency granted xxxxxx from xxxxxx. 1003 shows borrower has been in the xxxxxx for less than 2-years and was previously residing in xxxxxx. Per credit and fraud borrower has no housing presence in the xxxxxx until xxxxxx. Was self-employment since xxxxxx based in xxxxxx or xxxxxx? If xxxxxx how were taxes filed prior to perm residency? If in xxxxxx, how did CPA verify? Additional findings may apply. - Due Diligence Vendor-03/16/2026 |  | Resolved-Upon further review CPA letter meet guidelines - Due Diligence Vendor-04/15/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  | CPA LICENSE VERIFICATION (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 15:43 | 2026-04-01 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Upon further review, sufficient tax calculation was located in the loan file. - Due Diligence Vendor-04/01/2026 <br> Open-Missing Evidence of Property Tax Missing clarification regarding real estate taxes. Smart asset shows xxxxxx using 1.642%. Tax Info sheet shows xxxxxx annually not semi-annually and with annual city taxes of xxxxxx. Section 1.7.2 states Seller must use a reasonable estimate of the real estate taxes based on the value of the land and the total of all new and existing improvements. xxxxxx offers a tax estimator which put estimated taxes for the subject located in xxxxxx and serviced by xxxxxx (per appraiser) at xxxxxx. xxxxxx asset is not a reliable source as it does not include additional taxes that may apply such as city and/or school, etc. Loan lacks evidence of all current applicable tax rates (county, city, school, etc.) to support use of annual taxes of xxxxxx. Auditor used Originator's figure pending documentation. Additional findings may apply. - Due Diligence Vendor-03/16/2026 |  | Resolved-Upon further review, sufficient tax calculation was located in the loan file. - Due Diligence Vendor-04/01/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 15:59 | 2026-03-23 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation SSRs were rerun after receipt of 1004d - Due Diligence Vendor-03/23/2026 <br> Open-Auditor is unable to determine if the most recent appraisal revision is provided. Report shows revision 02/24/26. Most recent xxxxxx SSR reports are dated 03/09/26. Score of 1 is acceptable. Additional findings may apply. - Due Diligence Vendor-03/16/2026 |  | Resolved-Received confirmation SSRs were rerun after receipt of 1004d - Due Diligence Vendor-03/23/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 11:19 | 2026-03-20 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in lender credits, finding resolved. - Due Diligence Vendor-03/20/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($5,505.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,740.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/16/2026 |  | Resolved-Received COC for decrease in lender credits, finding resolved. - Due Diligence Vendor-03/20/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 11:19 | 2026-03-20 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, $175 credit was added to Final CD. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $175.00 Appraisal Re-Inspection Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/16/2026 |  | Resolved-Upon further review, $175 credit was added to Final CD. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860609 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 10:46 | 2026-03-20 07:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received evidence of eConsent, finding resolved. - Due Diligence Vendor-03/20/2026 <br> Open-Missing e-Consent. ----- Missing e-Consent in file. Please provide - Due Diligence Vendor-03/16/2026 |  | Resolved-Received evidence of eConsent, finding resolved. - Due Diligence Vendor-03/20/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.83<br> Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $5,724.91; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860636 | xxxxxx C B A | Closed | xxxxxx | 2026-03-30 17:26 | 2026-04-07 10:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status corrected with waiver on alternate finding. - Due Diligence Vendor-04/07/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending due to credit liability excluded as paid by 3rd party (business) and not fully documented. - Due Diligence Vendor-03/30/2026 |  | Resolved-The Final Reviewed QM Status corrected with waiver on alternate finding. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 709<br> LTV is less than guideline maximum - Required is 90 Borrower has 70<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.05 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860636 | xxxxxx C B A | Closed | xxxxxx | 2026-03-30 17:25 | 2026-04-07 10:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Client provided a waiver for Lease vehicle on credit has different payment than lease vehicle paid by business on bank statements. Account number is a partial match., applied to non material finding with comp factors - Due Diligence Vendor-04/07/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Lease vehicle on credit has different payment than lease vehicle paid by business on bank statements. Account number is a partial match. Provide statement documenting the differing payment made and payment due to document these vehicles are one and the same and can be excluded from the DTI. - Due Diligence Vendor-03/30/2026 |  | Waived-Client provided a waiver for Lease vehicle on credit has different payment than lease vehicle paid by business on bank statements. Account number is a partial match., applied to non material finding with comp factors - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 709<br> LTV is less than guideline maximum - Required is 90 Borrower has 70<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.05 | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 6 months or more |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860636 | xxxxxx C B A | Closed | xxxxxx | 2026-03-30 06:18 | 2026-03-31 08:50 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/31/2026 <br> Open-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. - Due Diligence Vendor-03/30/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 709<br> LTV is less than guideline maximum - Required is 90 Borrower has 70<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.05 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860652 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860655 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860656 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860657 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860658 | xxxxxx D A | Closed | xxxxxx | 2026-02-13 21:03 | 2026-02-23 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required business purpose use of proceeds. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Our guidelines do not require an LOE on business purpose cash out loans - Seller-02/20/2026 <br> Counter-No document provided. Purpose of cash out required on Business purpose loans. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-our guidelines do not require LOX for cash out on a business purpose loan. - Seller-02/18/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing cash out letter on a Business Purpose Loan. - Due Diligence Vendor-02/14/2026 | Ready for Review-Our guidelines do not require an LOE on business purpose cash out loans - Seller-02/20/2026 <br> Ready for Review-our guidelines do not require LOX for cash out on a business purpose loan. - Seller-02/18/2026 | Resolved-Upon further review, the loan file contained all required business purpose use of proceeds. - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 748 Required is 680 Borrower has 748<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR% is is 0 Borrower has 1.104 Required is 0 Borrower has 1.104 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860658 | xxxxxx D A | Closed | xxxxxx | 2026-02-13 20:40 | 2026-02-19 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. see attached line 38 (highlighted) PUD rider is built in the DOT for business purpose loans - Seller-02/17/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing the PUD Rider and acknowledgement on the Mortgage requiring it. - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. see attached line 38 (highlighted) PUD rider is built in the DOT for business purpose loans - Seller-02/17/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 748 Required is 680 Borrower has 748<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR% is is 0 Borrower has 1.104 Required is 0 Borrower has 1.104 |  | pud rider loan xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860659 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860662 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 09:06 | 2026-02-17 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller CD - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see the combine HUD1 the seller fees are on the left side - Seller-02/12/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see the combine HUD1 the seller fees are on the left side - Seller-02/12/2026 | Resolved-Received seller CD - Due Diligence Vendor-02/17/2026 | Months Reserves exceed minimum required - 20.16 months reserves; 6 months reserves required.<br> Long term residence - Long Term Residence = 3+ years |  | Combine HUD1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860662 | xxxxxx C B A | Closed | xxxxxx | 2026-02-12 09:26 | 2026-02-12 13:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Audited LTV of 70% exceeds Guideline LTV of 65% LTV of 70% exceeds guieline maximum of 65%. 5% LTV exception in file. Borrower is a dual citizen (documentation in file) with no xxxxxx credit. Therefore, the maximum LTV is 65%. Non-material with compensating factor and pricing adjustments. - Due Diligence Vendor-02/20/2026 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% LTV of 70% exceeds guieline maximum of 65%. 5% LTV exception in file. Borrower is a dual citizen (documentation in file) with no xxxxxx credit. Therefore, the maximum LTV is 65%. Non-material with compensating factor and pricing adjustments. - Due Diligence Vendor-02/12/2026 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Audited LTV of 70% exceeds Guideline LTV of 65% LTV of 70% exceeds guieline maximum of 65%. 5% LTV exception in file. Borrower is a dual citizen (documentation in file) with no xxxxxx credit. Therefore, the maximum LTV is 65%. Non-material with compensating factor and pricing adjustments. - Due Diligence Vendor-02/20/2026 | Months Reserves exceed minimum required - 20.16 months reserves; 6 months reserves required.<br> Long term residence - Long Term Residence = 3+ years | Purchase of a new build<br> 6 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 860664 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860667 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860673 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860674 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860678 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 19:59 | 2026-02-26 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-02/25/2026 <br> Counter-Unable to open upload Receive Format or corrupted error. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-02/23/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit for DSCR qualified loan. Although Occupancy Affidavit/Statement was provided, this does not meet lender criteria. - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. See attached - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-02/23/2026 | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-02/26/2026 | Credit history exceeds minimum required - Credit History = 225 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Reserves = 14 months – Required Reserves = 3 Months |  | BP Certification.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860678 | xxxxxx D A | Closed | xxxxxx | 2026-02-21 01:55 | 2026-02-25 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Monitoring Report. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. See xxxxxx ran on xxxxxx loan was funded on xxxxxx see page 37 one Inquiry DSCR loan it does affect the DTI. - Seller-02/24/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. See xxxxxx ran on xxxxxx loan was funded on xxxxxx see page 37 one Inquiry DSCR loan it does affect the DTI. - Seller-02/24/2026 | Resolved-Received Undisclosed Debt Monitoring Report. - Due Diligence Vendor-02/25/2026 | Credit history exceeds minimum required - Credit History = 225 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Reserves = 14 months – Required Reserves = 3 Months |  | xxxxxx - All findings cleared.pdf<br> xxxxxx xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860678 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 21:39 | 2026-02-25 09:18 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/25/2026 <br> Ready for Review-This is a xxxxxx unit with no HOA a condo certification is not required - Seller-02/23/2026 <br> Open-Missing documentation which confirms condominium project eligibility. Project is xxxxxx units. Other findings may apply. - Due Diligence Vendor-02/21/2026 | Ready for Review-This is a xxxxxx unit with no HOA a condo certification is not required - Seller-02/23/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/25/2026 | Credit history exceeds minimum required - Credit History = 225 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Reserves = 14 months – Required Reserves = 3 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860678 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 19:32 | 2026-02-25 09:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Note the rider is built in the Mortgage see page 19 section 38 - Seller-02/23/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Condo Rider to security instrument for Condominium Unit - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. Note the rider is built in the Mortgage see page 19 section 38 - Seller-02/23/2026 | Resolved-Received Deed of Trust. - Due Diligence Vendor-02/25/2026 | Credit history exceeds minimum required - Credit History = 225 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Reserves = 14 months – Required Reserves = 3 Months |  | Mortgage - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860679 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860684 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 09:18 | 2026-03-06 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report reflecting items cleared. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/04/2026 <br> Open-Fraud Report Shows Uncleared Alerts. The alerts on the Fraud Report did not have any commentary and did reflected cleared. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/04/2026 | Resolved-Received fraud report reflecting items cleared. - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 775 |  | Fraud Report Clear xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860686 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860691 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860699 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860700 | xxxxxx D B A | Closed | xxxxxx | 2026-02-26 06:02 | 2026-03-17 11:04 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Originator waiver applied to non-material finding. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Please clear this finding the Management is working with the investor a date of implementation has been set<br> - Seller-03/16/2026 <br> Counter-Fully executed 4506 required. Please provide resolution once received. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Please clear at the present time we do not require the 4506T or 4506-C Senior Management is working with Clariff and the investor on this issue. - Seller-02/26/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing 2 Year Full Doc loan and no 4506 in file. - Due Diligence Vendor-02/26/2026 | Ready for Review-Please clear this finding the Management is working with the investor a date of implementation has been set<br> - Seller-03/16/2026 <br> Ready for Review-Please clear at the present time we do not require the 4506T or 4506-C Senior Management is working with Clariff and the investor on this issue. - Seller-02/26/2026 | Waived-Originator waiver applied to non-material finding. - Due Diligence Vendor-03/17/2026 | Verified employment history exceeds guidelines - Borrower same employer > 7 years<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 860705 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 10:27 | 2026-03-11 08:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026 <br> Counter-Received guidelines. Large deposits must be addressed to meet guideline 10.3.3. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br> Counter-Received snip of guideline. Guideline confirms " unexplained deposits", this would confirm any single deposit more than 50% of borrowers gross income. Finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br> - Seller-03/02/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Large Deposits not sourced from Brokerage: 1/16 $20k, 1/16 $15k, 1/22 $15k, 11/4 $15k, 11/7 $20k - Due Diligence Vendor-02/25/2026 | Ready for Review-the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br> Ready for Review-Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br> - Seller-03/02/2026 | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br> LTV is less than guideline maximum - Required is 80 Borrower has 65<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 778 |  | guidelines 3.02.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860705 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 10:27 | 2026-03-11 08:55 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026 <br> Counter-Received guidelines. Large deposits must be addressed to meet guideline 10.3.3. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-this is a waterfall condition. the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br> Counter-Received snip of guideline. Guideline confirms " unexplained deposits", this would confirm any single deposit more than 50% of borrowers gross income. Finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br>- Seller-03/02/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Large Deposits not sourced from Investor Checking: 1/8 $15k, 11/27 $15K - Due Diligence Vendor-02/25/2026 | Ready for Review-this is a waterfall condition. the "single unexplained" deposits are all consistent and are related to her business. refer back to the snip of guidelines, this guideline is SPECIFIC TO SINGLE UNEXPLAINED DEPOSITS, these deposits are normal to her business account. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Based on our guidelines we don't need to source since the guidelines state specifically "documentation should be obtained for single, unexplained deposits".<br> The fact that there are multiple deposits of virtually the same amount does not meet the definition of the written guideline. see attached screenshot of the section in our guidelines that states this. <br>- Seller-03/02/2026 | Resolved-Review of deposits confirms deposits are consistant and are not a single deposit. Deposits are related to ther borrowers business. - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br> LTV is less than guideline maximum - Required is 80 Borrower has 65<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 778 |  | guidelines 3.02.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860705 | xxxxxx C B A | Closed | xxxxxx | 2026-02-20 12:10 | 2026-03-03 07:31 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. <br> Please find the post consummation CD and LOE attached as well as the check and proof of delivery - Seller-03/02/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,684.61). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $1,684.61 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,684.61, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. <br> Please find the post consummation CD and LOE attached as well as the check and proof of delivery - Seller-03/02/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-03/03/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.77<br> LTV is less than guideline maximum - Required is 80 Borrower has 65<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 778 |  | Post Consummation CD.pdf<br> xxxxxx LOE.pdf<br> Check and Shipping Label xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860706 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 09:20 | 2026-03-06 14:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Jan 2026 proof of payment. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED JAN 2026 bank statement and the payment is highlighted - Seller-03/05/2026 <br> Counter-Received Note and 11 months statements supporting payment. Missing full 12 please provide 1/2026 proof of payment - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED 12 month bank statements, and note . the mortgage payment is highlighted in every statement and the note confirms the monthly mortgage payment to private lender. - Seller-03/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide the most recent 12 month mortgage history from the subject property (not reporting on credit report). - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. SEE ATTACHED JAN 2026 bank statement and the payment is highlighted - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED 12 month bank statements, and note . the mortgage payment is highlighted in every statement and the note confirms the monthly mortgage payment to private lender. - Seller-03/04/2026 | Resolved-Received Jan 2026 proof of payment. - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 641<br> LTV is less than guideline maximum - Required is 75 Borrower has 62.76 |  | bank statements and note xxxxxx.PDF<br> JANUARY NF STATEMENT xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860708 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 11:44 | 2026-03-06 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. see attached VOE from tax preparer dated xxxxxx. we did not disburse until xxxxxx after we received the VOE. - Seller-03/05/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines. section 8.2.1.3, state verification that business is active and in good standing 10 days prior to closing. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see attached VOE from tax preparer dated xxxxxx. we did not disburse until xxxxxx after we received the VOE. - Seller-03/05/2026 | Resolved-Received VOE. - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03 |  | tax preparer VOE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860708 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 11:53 | 2026-03-06 16:03 | 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-03/06/2026 <br> Ready for Review-Document Uploaded. see page 26 of the attached fraud report. this is the UDM, no new inquiries. - Seller-03/05/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Guidelines, section 5.2.6, state a gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of closing. Gap Credit is dated 01/15/2026. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see page 26 of the attached fraud report. this is the UDM, no new inquiries. - Seller-03/05/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03 |  | xxxxxx - Clear xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860708 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 06:27 | 2026-03-06 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud Report w/All Fraud Report Alerts cleared - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/05/2026 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. see attached clear xxxxxx - Seller-03/05/2026 | Resolved-Received Fraud Report w/All Fraud Report Alerts cleared - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03 |  | xxxxxx - Clear xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860710 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 17:08 | 2026-04-07 12:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received WVOE. - Due Diligence Vendor-04/07/2026 <br> Counter-Removing income for B2 the DTI is calculating at 58.21%. $13,237.85 B1 income, $4,950.40 subject PITIA, $1,743 REO loss and $1,102 consumer debt. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-If you remove b2 from the income calculation the DTI should still be below our threshold. Please waive as a grade B in-material. This should also waterfall to clear the other item. - Seller-03/27/2026 <br> Counter-pending validation of B2 pre close self-employment - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/17/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing CPA/EA/xxxxxx letter or equivalent to confirm B1 percentage of business ownership (e.g. operating agreement or LLC structure). xxxxxx printout does not suffice as it does not show the members it only shows the borrower as a contact.<br> 2. B2 missing existence of their business which must be independently verified through a disinterested third party within 10 business days of closing. - Due Diligence Vendor-02/25/2026 | Ready for Review-If you remove b2 from the income calculation the DTI should still be below our threshold. Please waive as a grade B in-material. This should also waterfall to clear the other item. - Seller-03/27/2026 <br>Ready for Review-Document Uploaded. see attached - Seller-03/17/2026<br>| Resolved-Received WVOE. - Due Diligence Vendor-04/07/2026 | On time mortgage history exceeds guideline requirement - 0x30x98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 |  | Certificate of Organization xxxxxx .pdf<br> VOE xxxxxx xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860710 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 17:03 | 2026-04-07 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received WVOE - Due Diligence Vendor-04/07/2026 <br> Counter-Removing income for B2 the DTI is calculating at 58.21%. $13,237.85 B1 income, $4,950.40 subject PITIA, $1,743 REO loss and $1,102 consumer debt. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-If B2 income is waived and cleared at Grade B, we should still be within the 55% DTI - Seller-03/30/2026 <br> Counter-Processor cert reflects verification via xxxxxx. Review did not receive for confirmation of complete independent validation. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-please refer back to the Articles of Formation which you already have. the Articles of Formation clearly reflects "ALL managers/ members and only 1 is listed which is our B2. - Seller-03/20/2026 <br> Counter-Received processor cert but does not indicate how they independently verified the existence of business. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. see attached processor cert and the certificat of organization for xxxxxx to confirm that borrower xxxxxx is the only member of the LLC - Seller-03/17/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing B2 missing existence of their business which must be independently verified through a disinterested third party within 10 business days of closing. Sources may include:<br> - CPA, Tax Attorney, IRS Enrolled Agent, xxxxxx, regulatory agency, or applicable licensing bureau<br> - Secretary of State listing reflecting current year registration<br> - Verification of a phone and address listing using the Internet - Due Diligence Vendor-02/25/2026 | Ready for Review-If B2 income is waived and cleared at Grade B, we should still be within the 55% DTI - Seller-03/30/2026 <br> Ready for Review-please refer back to the Articles of Formation which you already have. the Articles of Formation clearly reflects "ALL managers/ members and only 1 is listed which is our B2. - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. see attached processor cert and the certificat of organization for xxxxxx to confirm that borrower xxxxxx is the only member of the LLC - Seller-03/17/2026 | Resolved-Received WVOE - Due Diligence Vendor-04/07/2026 | On time mortgage history exceeds guideline requirement - 0x30x98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 |  | Certificate of Organization xxxxxx .pdf<br> VOE xxxxxx xxxxxx.pdf<br> Annual Report (1).pdf<br> Annual Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860710 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 17:06 | 2026-04-07 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received B1 Enrolled Agent letter confirming ownership and length of business. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-It is unclear what you are asking for, "Missing CPA verification". The CPA letter is the acceptable verification. See Guideline section 8.2.1.2 Acceptable verification includes a Business License or by providing a CPA, Tax Attorney, IRS <br> Enrolled Agent, or xxxxxx letter - Seller-03/19/2026 <br> Counter-Received CPA letter. Missing CPA verification. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see the attached CPA letter that reflects B1 100% ownership. xxxxxx - Seller-03/17/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA/EA/xxxxxx letter or equivalent to confirm B1 percentage of business ownership (e.g. operating agreement or LLC structure). xxxxxx printout does not suffice as it does not show the members it only shows the borrower as a contact. - Due Diligence Vendor-02/25/2026 | Ready for Review-It is unclear what you are asking for, "Missing CPA verification". The CPA letter is the acceptable verification. See Guideline section 8.2.1.2 Acceptable verification includes a Business License or by providing a CPA, Tax Attorney, IRS <br> Enrolled Agent, or xxxxxx letter - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. Please see the attached CPA letter that reflects B1 100% ownership. xxxxxx - Seller-03/17/2026 | Resolved-Received B1 Enrolled Agent letter confirming ownership and length of business. - Due Diligence Vendor-03/19/2026 | On time mortgage history exceeds guideline requirement - 0x30x98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742 |  | CPA Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860711 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 13:53 | 2026-03-06 10:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Validation Resolved. Received updated and re-executed loan package reflecting notary date of xxxxxx. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached the doc were re-signed - Seller-03/05/2026 <br> Open-There are Issues Present on the Note that must be addressed. Note Date of xxxxxx is greater than Notary Acknowledgment Date of xxxxxx. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached the doc were re-signed - Seller-03/05/2026<br>| Resolved-Validation Resolved. Received updated and re-executed loan package reflecting notary date of xxxxxx. - Due Diligence Vendor-03/06/2026 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x76, requirement 1x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 |  | Note.pdf<br>DOT.pdf<br>Corrected Loan Pkg..pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860711 | xxxxxx C B A | Closed | xxxxxx | 2026-02-20 10:26 | 2026-03-06 10:38 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received updated and re-executed loan package reflecting notary date of xxxxxx. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached re-signed doc<br> - Seller-03/05/2026 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx Security Instrument Date xxxxxx is greater than the transaction date of xxxxxx - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached re-signed doc<br> - Seller-03/05/2026<br>| Resolved-Received updated and re-executed loan package reflecting notary date of xxxxxx. - Due Diligence Vendor-03/06/2026 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x76, requirement 1x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 |  | Corrected Loan Pkg..pdf<br>Note.pdf<br>DOT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860711 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 13:46 | 2026-02-26 13:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Client exception granted to allow for 2.5% LTV to 77.50% xxxxxx loan amount with DSCR >0.75 - <1. Non-material waiver applied with comp factors - Due Diligence Vendor-02/26/2026 <br> Open-Audited LTV of 77.5% exceeds Guideline LTV of 75% Lender exception provided for 2.5% LTV to 77.50% xxxxxx loan amount with DSCR >0.75 - <1 - Due Diligence Vendor-02/26/2026 |  | Waived- Client exception granted to allow for 2.5% LTV to 77.50% xxxxxx loan amount with DSCR >0.75 - <1. Non-material waiver applied with comp factors - Due Diligence Vendor-02/26/2026 | On time mortgage history exceeds guideline requirement - Mortgage History 0x30x76, requirement 1x30x12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 | 1. Mortgage History 0x30x12. 2. Required is 660 Borrower has 761. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860738 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 11:28 | 2026-04-01 11:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received LLC documentation, borrower is 100% owner. - Due Diligence Vendor-04/01/2026 <br> Open-Property Title Issue Title was vested in xxxxxx prior to subject refinance. However, business docs for this entity are not in file. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received LLC documentation, borrower is 100% owner. - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO is 660; Borrower has a 787 FICO. Required is 700 Borrower has 787<br>Months Reserves exceed minimum required - Minimum reserves are 3 months; Borrower has 81 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860738 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 10:19 | 2026-03-27 16:34 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Client exception granted, waiver applied with comp factors. deemed non material due to HOA projected reserves for 2026 are xxxxxx and can cover shortfall of xxxxxx <br> - Due Diligence Vendor-03/27/2026 <br> Open-Fidelity Coverage not met. Fidelity coverage needed is xxxxxx. Fidelity coverage per insurance policy is xxxxxx. - Due Diligence Vendor-02/24/2026 |  | Waived-Client exception granted, waiver applied with comp factors. deemed non material due to HOA projected reserves for 2026 are xxxxxx and can cover shortfall of xxxxxx <br> - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO is 660; Borrower has a 787 FICO. Required is 700 Borrower has 787<br>Months Reserves exceed minimum required - Minimum reserves are 3 months; Borrower has 81 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860738 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 19:42 | 2026-03-27 16:08 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. The request for an exception to xxxxxx eligibility criteria is granted.<br> - Due Diligence Vendor-03/27/2026 <br> Counter-Received Client response " Client guidelines are not being used on the transaction, and there is no cash-in-hand limit noted in the xxxxxx guideline approval letter from the client, so xxxxxx guidelines would take precedence. "- File initially reviewed by xxxxxx. xxxxxx confirmed Max Cash out >65% LTV is xxxxxx. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Counter-Received rebuttal guidelines do not have restrictions for cash out proceeds. Guidelines are silent and client guidelines restrict to Max Cash out >65% LTV is $500,000. - Due Diligence Vendor-03/04/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Max Cash out >65% LTV is xxxxxx. (LTV 68% with xxxxxx cash out) - Due Diligence Vendor-02/26/2026 |  | Waived-Client exception granted, waiver applied with comp factors. The request for an exception to xxxxxx eligibility criteria is granted.<br> - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO is 660; Borrower has a 787 FICO. Required is 700 Borrower has 787<br>Months Reserves exceed minimum required - Minimum reserves are 3 months; Borrower has 81 months. | 1 - Credit Score 30+ points > minimum required <br> 2 - Reserves exceed requirement by 10 months or more <br> 3 - Current primary home ownership > 2 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860738 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 12:46 | 2026-03-03 10:43 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Upon further review, signing early is not an issue. - Due Diligence Vendor-03/03/2026 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-02/23/2026 |  | Resolved-Upon further review, signing early is not an issue. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO is 660; Borrower has a 787 FICO. Required is 700 Borrower has 787<br>Months Reserves exceed minimum required - Minimum reserves are 3 months; Borrower has 81 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860738 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 15:51 | 2026-03-03 10:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/03/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing in attachment. - Due Diligence Vendor-02/23/2026 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO is 660; Borrower has a 787 FICO. Required is 700 Borrower has 787<br>Months Reserves exceed minimum required - Minimum reserves are 3 months; Borrower has 81 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860738 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 17:27 | 2026-03-03 10:40 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-03/03/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. File is missing a secondary valuation to support the appraisal. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO is 660; Borrower has a 787 FICO. Required is 700 Borrower has 787<br>Months Reserves exceed minimum required - Minimum reserves are 3 months; Borrower has 81 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860748 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 16:59 | 2026-03-16 13:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-per the WVOE the borrower works 40 hours per week, per the most recent paystub the borrower works 39.75 hours per week, the hours are not an even match, however the income listed on the WVOE, paystub and W-2s are consistent. - Due Diligence Vendor-03/16/2026 <br>Counter-Received WVOE for B2 with additional commentary included however does not reflect new date or initials for changes. - Due Diligence Vendor-03/12/2026 <br>Open-Income and Employment Do Not Meet Guidelines Explanation needed for why the paystubs for B2 do not support a full 40 hours weekly. VOE shows 40 hours per week, but paystubs do not. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |  | Resolved-per the WVOE the borrower works 40 hours per week, per the most recent paystub the borrower works 39.75 hours per week, the hours are not an even match, however the income listed on the WVOE, paystub and W-2s are consistent. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Residual Income =/> 1.5 times $3,500 monthly residual income - B1 has 18,893.43 in residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860748 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 14:35 | 2026-03-16 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Subject loan was approved as xxxxxx loan, per the guidelines a 4506-C is not required. - Due Diligence Vendor-03/16/2026 <br> Counter-Received request to clear. 4506 C required for securitization as wage verified. Finding remains. - Due Diligence Vendor-03/12/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing 4506C - Due Diligence Vendor-03/06/2026 |  | Resolved-Subject loan was approved as xxxxxx loan, per the guidelines a 4506-C is not required. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Residual Income =/> 1.5 times $3,500 monthly residual income - B1 has 18,893.43 in residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860748 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 18:32 | 2026-03-12 13:12 | Resolved | 1 - Information C A | Credit | Eligibility | Rent source document used is not allowed | Resolved-Received security deposit and 1st months rent for departure residence along with proof of deposit. - Due Diligence Vendor-03/12/2026 <br>Open-Need to verify proof of receipt of 1st month's rent and security deposit for departing primary via copies of cancelled checks. Documents in file do not verify they are cancelled/deposited. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received security deposit and 1st months rent for departure residence along with proof of deposit. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Residual Income =/> 1.5 times $3,500 monthly residual income - B1 has 18,893.43 in residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860748 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 15:46 | 2026-03-12 13:06 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation item #12 is xxxxxx - Due Diligence Vendor-03/12/2026 <br> Open-Property Title Issue Special tax lien noted on item 12 of title. Verify this was cleared. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received confirmation item #12 is xxxxxx - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Residual Income =/> 1.5 times $3,500 monthly residual income - B1 has 18,893.43 in residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860754 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 16:17 | 2026-03-12 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received worksheet. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2026 <br>Counter-Work sheet provided, however it does reflect months used, business name, borrowers name and it appears multiple account were used. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026<br>| Resolved-Received worksheet. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - 43.51% DTI below max allowed of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 |  | Loan Condition __ Express.pdf<br>Loan Condition __ Express2.pdf<br>Loan Condition __ Express Lender Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860754 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 15:41 | 2026-03-06 13:59 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/04/2026<br>| Resolved-Received LOE. - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - 43.51% DTI below max allowed of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 |  | 03042026_CREDIT INQUIRY CERTIFICATION.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860754 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 16:19 | 2026-03-02 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-02/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-02/27/2026<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - 43.51% DTI below max allowed of 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 |  | Credit_Report_26022733680r.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860756 | xxxxxx D A | Closed | xxxxxx | 2026-02-23 10:46 | 2026-03-13 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and CPA verfication. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. Uploaded. See EA License validation. - Seller-03/11/2026 <br>Counter-Received EA letter verifying ownership. Missing EA license validation. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Uploaded. CPA Letter and P&L. - Seller-03/09/2026 <br>Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Uploaded. See EA License validation. - Seller-03/11/2026 <br>Ready for Review-Document Uploaded. Uploaded. CPA Letter and P&L. - Seller-03/09/2026<br>| Resolved-Received CPA letter and CPA verfication. - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | P & L CPA LETTER.pdf<br>RPO Preparer Directory EA License Validation.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860790 | xxxxxx C A | Closed | xxxxxx | 2026-03-25 12:09 | 2026-04-03 10:59 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, 1003 indicates borrower is unmarried, this document is not needed - Due Diligence Vendor-04/03/2026 <br>Open-The required spousal consent to pledge form is missing. Missing - Due Diligence Vendor-03/25/2026 |  | Resolved-Upon further review, 1003 indicates borrower is unmarried, this document is not needed - Due Diligence Vendor-04/03/2026 | Qualifying DTI below maximum allowed - DTI 9.37 is lower than allowable 50% Required is 50 Borrower has 9.37<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 763 is higher than the required 720 Required is 700 Borrower has 763 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860792 | xxxxxx D A | Closed | xxxxxx | 2026-03-03 10:37 | 2026-03-20 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood insurance indicates coverage of xxxxxx and additional coverage of xxxxxx for increased cost of compliance. - Due Diligence Vendor-03/20/2026 <br> Counter-RCE provided, however the Reconstruction Cost is xxxxxx. Flood coverage is xxxxxx which is insufficient. - Due Diligence Vendor-03/11/2026 <br> Counter-Received flood insurance reflecting of only xxxxxx. Provide acceptable clarification and confirmation xxxxxx is sufficient as below maximum of $250k. - Due Diligence Vendor-03/06/2026 <br> Open-Missing Flood Insurance Policy Complete flood policy not found in file - Due Diligence Vendor-03/03/2026 |  | Resolved-Flood insurance indicates coverage of xxxxxx and additional coverage of xxxxxx for increased cost of compliance. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.77 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860805 | xxxxxx B A | Closed | xxxxxx | 2026-03-06 10:43 | 2026-03-16 15:56 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '365'). ----- Client waiver applied to non-material Findings - Due Diligence Vendor-03/06/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '365'). ----- Client waiver applied to non-material Findings - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.3 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860816 | xxxxxx C B A | Closed | xxxxxx | 2026-03-26 11:44 | 2026-03-31 16:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated assets received - per guides - source of large deposit is not required to be documented.<br> - Due Diligence Vendor-03/31/2026 <br> Counter-Received statement and printout from xxxxxx. Missing validation of source of $47,790 from xxxxxx. - Due Diligence Vendor-03/31/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Audit used all available gift ($123849) and checking account funds. - Due Diligence Vendor-03/26/2026 |  | Resolved-Updated assets received - per guides - source of large deposit is not required to be documented.<br> - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.87<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860816 | xxxxxx C B A | Closed | xxxxxx | 2026-03-26 11:28 | 2026-03-31 16:39 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Updated assets received - per guides - source of large deposit is not required to be documented.<br> - Due Diligence Vendor-03/31/2026 <br> Counter-Received statement and printout from xxxxxx. Missing validation of source of $47,790 from xxxxxx. - Due Diligence Vendor-03/31/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-18481.55'. Assets are Insufficient. Audit used all available gift ($123849) and checking account funds. - Due Diligence Vendor-03/26/2026 |  | Resolved-Updated assets received - per guides - source of large deposit is not required to be documented.<br> - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.87<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860816 | xxxxxx C B A | Closed | xxxxxx | 2026-03-26 11:38 | 2026-03-31 11:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rent free letter. - Due Diligence Vendor-03/31/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Housing not met, missing rent free letter from relative. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received rent free letter. - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.87<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860816 | xxxxxx C B A | Closed | xxxxxx | 2026-03-26 12:13 | 2026-03-31 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter from relative. - Due Diligence Vendor-03/31/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from relative - Due Diligence Vendor-03/26/2026 |  | Resolved-Received rent free letter from relative. - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.87<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860816 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 07:18 | 2026-03-25 08:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied for non-material findings - Due Diligence Vendor-03/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied for non-material findings - Due Diligence Vendor-03/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.87<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860818 | xxxxxx C A | Closed | xxxxxx | 2026-02-26 12:46 | 2026-03-03 14:21 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review of the HOI and RCE, coverage is sufficient. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-RCE = xxxxxx EOI coverage xxxxxx with Extended Replacement Cost In Addition to Coverage A Limit. Please remove condition - Seller-03/02/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage insufficient<br> - Due Diligence Vendor-02/26/2026 | Ready for Review-RCE = xxxxxx EOI coverage xxxxxx with Extended Replacement Cost In Addition to Coverage A Limit. Please remove condition - Seller-03/02/2026 | Resolved-Upon further review of the HOI and RCE, coverage is sufficient. - Due Diligence Vendor-03/03/2026 | Months Reserves exceed minimum required - Min 4, actual 24.61<br>Long term residence - Borrower owns and lives at primary residence for 7 years<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.13 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860819 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 13:18 | 2026-03-17 11:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received access letter for 4603. - Due Diligence Vendor-03/13/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Missing access letter from additional account holder - Due Diligence Vendor-03/09/2026 |  | Resolved-Received access letter for 4603. - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.27<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860819 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 13:18 | 2026-03-17 11:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received revised 1003 removing Asset 3 from consideration. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/16/2026 <br> Counter-Received Access letter for 4603. Missing Access letter for account xxxxxx joint account with xxxxxx. - Due Diligence Vendor-03/13/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing access letter from additional account holder - Due Diligence Vendor-03/09/2026 |  | Resolved-Received revised 1003 removing Asset 3 from consideration. - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.27<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 |  | Clarification on xxxxxx xxxxxx (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860827 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 09:49 | 2026-03-03 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided updated Fraud report to include all parties - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists missing real estate agents and company - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>| Resolved-Client provided updated Fraud report to include all parties - Due Diligence Vendor-03/03/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.54<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 |  | xxxxxx.pdf<br> xxxxxx_Report26030257622h.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860827 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 13:54 | 2026-02-23 13:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.54<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860832 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 12:34 | 2026-03-16 15:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Income documentation received. ATR-QM status updated. - Due Diligence Vendor-03/16/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. (1) Missing full PITI(A) for REO xxxxxx - appears to be a new loan with Lender.<br> (2) Missing verification of insurance for REO xxxxxx. <br> (3) Missing verification of (no) HOA fees for REO's xxxxxx. - Due Diligence Vendor-02/26/2026 |  | Resolved-Income documentation received. ATR-QM status updated. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Missing REO xxxxxx VOM and verification of insurance for REO xxxxxx and/or HOA fees for REOs xxxxxx. Required is 49.99 Borrower has 14.03<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br> Months Reserves exceed minimum required - 76.07mos reserves. Per guides, no reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860832 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 12:19 | 2026-03-16 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The HOI was provided for xxxxxx - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team,<br>Please see HOI for xxxxxx - Seller-03/12/2026 <br> Counter-Received property profiles confirm non HOA dues. Missing (2) verification of insurance for REO xxxxxx. xxxxxx - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see property profiles for Property xxxxxx. allof them are SFR, no HOA. - Seller-03/09/2026 <br> Counter-Received final CD for xxxxxx verifying PITIA. Missing (2) verification of insurance for REO xxxxxx. (3) Missing verification of (no) HOA fees for REO's xxxxxx. (4) Additional conditions may apply pending review. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please See xxxxxx property FCD Note and HOI. and REO's xxxxxx NO HOA due to allof them are SFR and Townhomes - Seller-03/03/2026 <br> Open-(1) Missing full PITI(A) for REO xxxxxx - appears to be a new loan with Lender. Please provide evidence of P&I payment, hazard insurance, real estate taxes, and applicable HOA dues. <br> (2) Missing verification of insurance for REO xxxxxx. <br> (3) Missing verification of (no) HOA fees for REO's xxxxxx. <br> (4) Additional conditions may apply pending review. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. xxxxxx Team,<br>Please see HOI for xxxxxx - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see property profiles for Property xxxxxx. allof them are SFR, no HOA. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please See xxxxxx property FCD Note and HOI. and REO's xxxxxx NO HOA due to allof them are SFR and Townhomes - Seller-03/03/2026 | Resolved-The HOI was provided for xxxxxx - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Missing REO xxxxxx VOM and verification of insurance for REO xxxxxx and/or HOA fees for REOs xxxxxx. Required is 49.99 Borrower has 14.03<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br> Months Reserves exceed minimum required - 76.07mos reserves. Per guides, no reserves required. |  | xxxxxx Property.pdf<br> xxxxxx.pdf<br> HOI xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860833 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 13:29 | 2026-03-05 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-03/04/2026 <br> Counter-All 3 reports provided by Client are for the borrower and dated 2/10/26. Missing gap report for Coborrower. Finding remains - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Counter-Gap Report uploaded is for B2 - same as in file. Missing Gap Report for B1 - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missin g the required GAP credit report for B1. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. please see attached - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-03/05/2026 | Verified employment history exceeds guidelines - Borrower 1 employment verified for 58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 Required is 680 Borrower has 706 |  | Credit_Report_26022585978O.pdf<br> Credit_Report_26030228819G.pdf<br> Credit_Report_26030228817v.pdf<br> Credit_Report_260304843939.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860833 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 18:40 | 2026-02-27 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-SSN Verification for both B1 and B2 in file - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report reflects an alert for the social security number for both borrowers. No documentation to sup;ort the alerts have been cleared. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/25/2026<br>| Resolved-SSN Verification for both B1 and B2 in file - Due Diligence Vendor-02/27/2026 | Verified employment history exceeds guidelines - Borrower 1 employment verified for 58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 Required is 680 Borrower has 706 |  | 2987102-V1.PDF | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860833 | xxxxxx D B A | Closed | xxxxxx | 2026-02-20 14:33 | 2026-02-20 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/20/2026 | Verified employment history exceeds guidelines - Borrower 1 employment verified for 58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706 Required is 680 Borrower has 706 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 860840 | xxxxxx C A | Closed | xxxxxx | 2026-03-24 16:50 | 2026-03-30 12:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-03/30/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal description - Due Diligence Vendor-03/24/2026 |  | Resolved-Received Recorded DOT w/Legal. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.41<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711<br>LTV is less than guideline maximum - Required is 70 Borrower has 63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860842 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 07:36 | 2026-03-18 16:09 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-03/18/2026 <br> Open-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. Statute of limitations – One year; Expiration date: xxxxxx<br> - Due Diligence Vendor-03/17/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - required 3 months reserves - actual is 20.26 months.<br>Verified employment history exceeds guidelines - Borrower has been self employed same business for 4 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860842 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-13 14:19 | 2026-03-18 12:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received LE dated within 3 days of application. - Due Diligence Vendor-03/18/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial LE dated within 3 days or application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/13/2026 |  | Resolved-Received LE dated within 3 days of application. - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - required 3 months reserves - actual is 20.26 months.<br>Verified employment history exceeds guidelines - Borrower has been self employed same business for 4 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860842 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 03:53 | 2026-03-17 07:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br> Open------Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation date, unable to test. Additional finding may apply upon receipt. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - required 3 months reserves - actual is 20.26 months.<br>Verified employment history exceeds guidelines - Borrower has been self employed same business for 4 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860842 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 14:54 | 2026-03-17 07:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE dated xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br> Open------Missing initial LE dated within 3 days or application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received LE dated xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - required 3 months reserves - actual is 20.26 months.<br>Verified employment history exceeds guidelines - Borrower has been self employed same business for 4 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860842 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 14:28 | 2026-03-17 07:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br>Open-Missing e-Consent. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - required 3 months reserves - actual is 20.26 months.<br>Verified employment history exceeds guidelines - Borrower has been self employed same business for 4 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860845 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860868 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860888 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 10:03 | 2026-03-23 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-03/13/2026 |  | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860888 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 10:03 | 2026-03-23 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,564.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $2,564.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,564.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-03/13/2026 |  | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860888 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 10:03 | 2026-03-23 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $7,726.95.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 $7,726.95 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $7,726.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-03/13/2026 |  | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860888 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 09:18 | 2026-03-23 07:41 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br>Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/13/2026 |  | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860896 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860899 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860900 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860903 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860907 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 16:42 | 2026-03-17 16:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received email from title company removing 7-9 and confirming no deed transfer in xxxxxx listed. - Due Diligence Vendor-03/17/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per the final 1003 the borrowers have owned the property for 2 years and 4 months. Title reflects the borrowers took ownership of the property via deed on xxxxxx. Missing 12 month housing history for the borrower. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received email from title company removing 7-9 and confirming no deed transfer in xxxxxx listed. - Due Diligence Vendor-03/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.13 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860907 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 16:45 | 2026-03-17 16:46 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from the title company that 7-9 will be removed. - Due Diligence Vendor-03/17/2026 <br> Open-Property Title Issue Title current vesting is xxxxxx. xxxxxx xxxxxx. Vesting per the mortgage reflects xxxxxx xxxxxx and xxxxxx xxxxxx. Title item 9 reflects a deed stransfer to borrower and additional title holder, missing deed supporting his transfer. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received confirmation from the title company that 7-9 will be removed. - Due Diligence Vendor-03/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.13 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860911 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 13:07 | 2026-04-08 07:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-Received ROR with corrected expiration date. Finding Resolved. - Due Diligence Vendor-04/08/2026 <br> Counter-xxxxxx was a federal holiday and doesn't count in the recission period. - Due Diligence Vendor-03/23/2026 <br> Open-Right to Cancel Transaction Date is xxxxxx but the Disclosure Cancel Date entered is xxxxxx. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). ----- The Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received ROR with corrected expiration date. Finding Resolved. - Due Diligence Vendor-04/08/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 42.5 Required is 80 Borrower has 42.5<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 813 Required is 660 Borrower has 813 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860911 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 13:19 | 2026-03-19 07:10 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received evidence of xxxxxx date. Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ----- Initial Application date is xxxxxx. Initial LE has an issue date of xxxxxx. Written list of service providers disclosure is dated xxxxxx. xxxxxx can not be issued prior to receipt of an application. Please provide clarification of application date. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received evidence of xxxxxx date. Finding resolved. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 42.5 Required is 80 Borrower has 42.5<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 813 Required is 660 Borrower has 813 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860913 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 16:20 | 2026-04-01 17:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lender provided executed request to xxxxxx to terminate LOC and the lien be released. - Due Diligence Vendor-04/01/2026 <br> Counter-Signed Borrower request to terminate the HELOC was not attached. - Due Diligence Vendor-04/01/2026 <br> Counter-Received duplicate note from originator: We would like to clarify the HELOC payoff for this loan. The escrow/title company utilized a signed payoff demand to close out the HELOC account, rather than a free and clear letter. The demand was properly executed and used to facilitate the payoff at closing. Additionally, confirmation has been obtained that the HELOC account has been paid in full. Given this, we kindly request reconsideration and removal of this condition. Review: request to freeze and close HELOC by the borrowers is required as noted on payoff. finding remains. <br> - Due Diligence Vendor-03/31/2026 <br> Counter-Please provide the Signed Payoff Demand and confirmation the HELOC has been closed. Complete Copy of these documents were no located in the loan file. - Due Diligence Vendor-03/30/2026 <br> Counter-Received payoff for HELOC confirming termination request must be sent. Missing Freeze and close letter in the file is not complete or signed by the borrower. - Due Diligence Vendor-03/19/2026 <br> Open-Property Title Issue Prelim #8 states to provide instruction to Suspend and Close Equity Line of Credit or provide satisfactory subordination. Freeze and close letter in the file is not complete or signed by the borrower. - Due Diligence Vendor-03/12/2026 |  | Resolved-Lender provided executed request to xxxxxx to terminate LOC and the lien be released. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.2<br>LTV is less than guideline maximum - Required is 70 Borrower has 52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860913 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 11:10 | 2026-03-12 12:43 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.2<br>LTV is less than guideline maximum - Required is 70 Borrower has 52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860925 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 14:46 | 2026-04-07 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received Recert of Value. - Due Diligence Vendor-04/07/2026 <br> Open-Primary Value Appraisal is Expired appraisal completed xxxxxx. Lender to provide a non-expired appraisal - Due Diligence Vendor-03/19/2026 |  | Resolved-Received Recert of Value. - Due Diligence Vendor-04/07/2026 | Verified employment history exceeds guidelines - 10 years verified employment history exceeds 2 years required per guidelines<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.41 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860925 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 11:06 | 2026-03-18 11:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 | Verified employment history exceeds guidelines - 10 years verified employment history exceeds 2 years required per guidelines<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.41 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860925 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 10:30 | 2026-03-18 10:30 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 | Verified employment history exceeds guidelines - 10 years verified employment history exceeds 2 years required per guidelines<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.41 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 860957 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 860964 | xxxxxx D B A | Closed | xxxxxx | 2026-03-11 11:04 | 2026-03-17 07:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-03/17/2026 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-03/11/2026 |  | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.35<br>Months Reserves exceed minimum required - Min 4, actual 28.42 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860964 | xxxxxx D B A | Closed | xxxxxx | 2026-03-11 11:30 | 2026-03-13 11:04 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-03/13/2026 <br> Open-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. - Due Diligence Vendor-03/11/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.35<br>Months Reserves exceed minimum required - Min 4, actual 28.42 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861000 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861004 | xxxxxx C A B | Closed | xxxxxx | 2026-03-16 14:06 | 2026-03-23 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD - Due Diligence Vendor-03/23/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing the seller CD. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received final seller CD - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861004 | xxxxxx C A B | Closed | xxxxxx | 2026-03-17 17:35 | 2026-03-20 13:44 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC clearance - Due Diligence Vendor-03/20/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Fraud report reflects an alert on the OFAC list for the investor, xxxxxx. No documentation to support the alert has been cleared. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received OFAC clearance - Due Diligence Vendor-03/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861004 | xxxxxx C A B | Closed | xxxxxx | 2026-03-13 10:09 | 2026-03-18 09:26 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 6.919% is within allowable threshold of APOR of 6.1% + 1.75% or 7.85%. - Due Diligence Vendor-03/18/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 6.919% is within allowable threshold of APOR of 6.1% + 1.75% or 7.85%. - Due Diligence Vendor-03/13/2026 |  | Resolved-APR on subject loan of 6.919% is within allowable threshold of APOR of 6.1% + 1.75% or 7.85%. - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 761 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861011 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 10:14 | 2026-03-18 11:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/18/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - 292 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861011 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 10:37 | 2026-03-16 09:30 | Resolved | 1 - Information C A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-Received copy of page 4 of 5 on final CD. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Open-CD: General Form Requirements Not Met Missing pg. 4 of 5 of the Final CD xxxxxx. Please provide - Due Diligence Vendor-03/10/2026 |  | Resolved-Received copy of page 4 of 5 on final CD. Finding Resolved. - Due Diligence Vendor-03/16/2026 | Months Reserves exceed minimum required - 292 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861011 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 13:52 | 2026-03-11 14:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors. After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature - Due Diligence Vendor-03/11/2026 <br> Open-Insufficient Master Policy Property coverage @ 40.7% replacement cost coverage for total # of units for xxxxxx VS 100% replacement cost coverage required for total units.<br> - Due Diligence Vendor-03/10/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors. After further review, the litigation is accepted by the insurance carrier for all three pending suites. None are structural in nature - Due Diligence Vendor-03/11/2026 | Months Reserves exceed minimum required - 292 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 | FICO <br> Resid Inc <br> Home Own +18 yrs |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861013 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 11:26 | 2026-03-02 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Waive this condition, please double check which category it is in, that $2,690.00 does not violate any rules since its not paid by the borrower so condition is irrelevant - Seller-02/27/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,690.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,304.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $4,304.00 to $2,690.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,614.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-02/26/2026 | Ready for Review-Waive this condition, please double check which category it is in, that $2,690.00 does not violate any rules since its not paid by the borrower so condition is irrelevant - Seller-02/27/2026<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 21.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861013 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 10:57 | 2026-02-26 10:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/26/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/26/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 21.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861069 | xxxxxx C A | Closed | xxxxxx | 2026-02-26 10:49 | 2026-03-04 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation borrower is titled on primary and not obligated on Note. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Please review the updated 1003 and Note. Kindly remove the condition. - Seller-03/03/2026 <br>Counter-Received 1003. Finding is requesting rent free letter for primary residence. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Borrower has no ownership or financial obligation on the subject property, as confirmed by the submitted Note/Mortgage Statement. Based on this documentation, the Rent-Free status and housing history are sufficiently supported. - Seller-02/27/2026 <br>Open-According to the Note in the file for the borrower's primary residence, the borrower is not on the Note. Therefore, they are considered to be living rent-free and we are missing the rent-free letter from the spouse. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please review the updated 1003 and Note. Kindly remove the condition. - Seller-03/03/2026 <br>Ready for Review-Document Uploaded. Borrower has no ownership or financial obligation on the subject property, as confirmed by the submitted Note/Mortgage Statement. Based on this documentation, the Rent-Free status and housing history are sufficiently supported. - Seller-02/27/2026<br>| Resolved-Received confirmation borrower is titled on primary and not obligated on Note. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 19.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 698 |  | 1003.pdf<br>UPDATED 1003_NOTE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861070 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 14:10 | 2026-03-09 10:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with disbursement date xxxxxx, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received PCCD with disbursement date xxxxxx, finding resolved. - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 69.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 745 |  | xxxxxx-PCDV1 (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861070 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 14:45 | 2026-02-26 14:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/26/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/26/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.79<br>LTV is less than guideline maximum - Required is 80 Borrower has 69.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 745 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 861072 | xxxxxx D B A | Closed | xxxxxx | 2026-03-03 12:10 | 2026-03-05 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Management Approval. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached UW CERT - Seller-03/04/2026 <br>Open-Third Party Fraud Report Partially Provided Missing UW Fraud Report Review, score >800<br> - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached UW CERT - Seller-03/04/2026<br>| Resolved-Received Management Approval. - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO 744<br>Qualifying DTI below maximum allowed - 28.43% DTI is below 49.99% max. |  | UnDERWRITER CERT xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861072 | xxxxxx D B A | Closed | xxxxxx | 2026-03-02 13:01 | 2026-03-02 13:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-03/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-03/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO 744<br>Qualifying DTI below maximum allowed - 28.43% DTI is below 49.99% max. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861073 | xxxxxx B A | Closed | xxxxxx | 2026-03-03 13:12 | 2026-03-03 13:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 | Months Reserves exceed minimum required - 37.1mos reserves. Per guides, no reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 861099 | xxxxxx B A | Closed | xxxxxx | 2026-03-25 10:45 | 2026-03-25 10:45 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43 Required is 50 Borrower has 42.43<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861104 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-27 17:54 | 2026-03-27 12:56 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Received updated appraisal confirming change in value by appraiser. - Due Diligence Vendor-03/27/2026 <br> Counter-Appraisal order Detail provided, please have the Appraiser comment on the increase of value. - Due Diligence Vendor-03/12/2026 <br> Open-Appraiser provided two appraisals, both performed xxxxxx. One appraisal reflects a value of xxxxxx, the second appraisal reflects a value of xxxxxx, which was the value the lender used to qualify the loan. Appraiser to explain increase in value on the same day. Additional conditions may apply, pending review. - Due Diligence Vendor-02/27/2026 |  | Resolved-Received updated appraisal confirming change in value by appraiser. - Due Diligence Vendor-03/27/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Long term residence - Long Term Residence = 5+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861104 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-26 14:04 | 2026-03-13 09:56 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Client exception granted to waive GAP report requirement, waiver applied with compactors - Due Diligence Vendor-03/13/2026 <br> Counter-Received lender comment xxxxxx does not order and is not required to order Gap reports. The credit report used on this loan did not expire prior to funding. Please clear. Audit response- per guideline GAP is not required for DSCR but is required for all other products. Finding remains. - Due Diligence Vendor-03/05/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing updated credit or evidence of credit monitoring within 10 days of the note date - Due Diligence Vendor-02/26/2026 |  | Waived-Client exception granted to waive GAP report requirement, waiver applied with compactors - Due Diligence Vendor-03/13/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Long term residence - Long Term Residence = 5+ years | Long Term Residence = 5+ years<br> Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861104 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-25 15:50 | 2026-03-05 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $560.25.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 $560.25 (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 $560.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/25/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Long term residence - Long Term Residence = 5+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861104 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-27 18:31 | 2026-03-04 10:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for 75% LTV>70% max, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 <br>Open-Audited LTV of 72.37% exceeds Guideline LTV of 70% - Due Diligence Vendor-02/27/2026 |  | Waived-Client provided a waiver for 75% LTV>70% max, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Long term residence - Long Term Residence = 5+ years | Credit Score 30+ points > minimum required <br> Reserves exceed requirement by 10 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861104 | xxxxxx D B C A | Closed | xxxxxx | 2026-02-25 14:18 | 2026-02-25 17:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years<br>Long term residence - Long Term Residence = 5+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861105 | xxxxxx C A | Closed | xxxxxx | 2026-02-25 16:02 | 2026-03-16 09:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-CFPB allows for Doc Prep to be paid to lender and not be a finance change. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Counter-Not sure why the xxxxxx will not run it as a finance charge. With it being in Section A on the Final CD it is considered a Finance Charge and is what is causing the finding.. - Due Diligence Vendor-03/11/2026 <br> Counter-Received copy of PCCD xxxxxx which was already in file. TILA Finance Charge is due to $175 Doc Fee in Section A on the Final CD that was not part of the Prepaid Finance Charges. Provide evidence of refund or principal reduction of $175, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $349,216.06. The disclosed finance charge of $349,041.06 is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $349,216.06. The disclosed finance charge of $349,041.06 is not considered accurate because it is understated by more than $100 at $175. Provide evidence of refund or principal reduction of $175, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-02/25/2026 |  | Resolved-CFPB allows for Doc Prep to be paid to lender and not be a finance change. Finding Resolved. - Due Diligence Vendor-03/16/2026 | Long term residence - Long term residence for over 6.9 years.<br>On time mortgage history exceeds guideline requirement - 0x30x25 months mortgage history |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861106 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 861109 | xxxxxx D A C | Closed | xxxxxx | 2026-03-26 09:00 | 2026-03-31 11:45 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/31/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing LCA or CU score 2.5 or less or Desk review. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - DTI 32.44 max 50% Required is 50 Borrower has 32.44<br>LTV is less than guideline maximum - LTV 63.37% max LTV 70%. Required is 70 Borrower has 63.37 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861109 | xxxxxx D A C | Closed | xxxxxx | 2026-03-26 09:48 | 2026-03-31 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/31/2026 <br>Open-Missing Third Party Fraud Report missing Fraud report - Due Diligence Vendor-03/26/2026 |  | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - DTI 32.44 max 50% Required is 50 Borrower has 32.44<br>LTV is less than guideline maximum - LTV 63.37% max LTV 70%. Required is 70 Borrower has 63.37 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861173 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 15:34 | 2026-03-20 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 - Due Diligence Vendor-03/20/2026 <br>Counter-Received Business Info printout reflecting active but no date. Provide VVOE form or processor cert to confirm date verified. - Due Diligence Vendor-03/16/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE for B1 - Due Diligence Vendor-03/09/2026 |  | Resolved-Received VVOE for B1 - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784 Required is 680 Borrower has 784<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.83 Required is 50 Borrower has 37.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861173 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 15:46 | 2026-03-16 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report reflecting all parties searched and alerts cleared. - Due Diligence Vendor-03/16/2026 <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all parties added to OFAC and interested parties. All high alerts to be cleared. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received fraud report reflecting all parties searched and alerts cleared. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784 Required is 680 Borrower has 784<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.83 Required is 50 Borrower has 37.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861173 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 15:08 | 2026-03-16 11:57 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received purchase contract and addendums - Due Diligence Vendor-03/16/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Other docs in file show a 2.5% seller credit, but contract addendum not provided to verify. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received purchase contract and addendums - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784 Required is 680 Borrower has 784<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.83 Required is 50 Borrower has 37.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861173 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 08:08 | 2026-03-16 09:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Initial Cd xxxxxx - Due Diligence Vendor-03/16/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/09/2026 |  | Resolved-Received Initial Cd xxxxxx - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784 Required is 680 Borrower has 784<br>LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.83 Required is 50 Borrower has 37.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861185 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 13:09 | 2026-03-16 15:01 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Proof of no HOA fees on all properties provided. - Due Diligence Vendor-03/16/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents for additional property - Due Diligence Vendor-03/05/2026 |  | Resolved-Proof of no HOA fees on all properties provided. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793 min score 720. Required is 720 Borrower has 793<br>Qualifying DTI below maximum allowed - DTI 40.23% max DTI 50%. Required is 50 Borrower has 40.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861185 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 13:29 | 2026-03-16 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Proof of no HOA fees on all properties provided. - Due Diligence Vendor-03/16/2026 <br> Counter-The loan file contains HOI for xxxxxx. Need confirmation of HOA fees on all REO. - Due Diligence Vendor-03/10/2026 <br> Counter-Received client note-Please advise which addresses you are referring to. There are 3 versions of the 1003 and the address locations are not consistent across the forms. Audit- Finding is requesting HOA and new refinance terms for all properties and HOI (along with HOA) for xxxxxx. - Due Diligence Vendor-03/09/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property- Missing insurance and HOA for REO xxxxxx and missing all HOA for REO xxxxxx. missing for REO xxxxxx , NOTE for new refinance loan. - Due Diligence Vendor-03/04/2026 |  | Resolved-Proof of no HOA fees on all properties provided. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793 min score 720. Required is 720 Borrower has 793<br>Qualifying DTI below maximum allowed - DTI 40.23% max DTI 50%. Required is 50 Borrower has 40.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861185 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 13:27 | 2026-03-10 16:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documents not yet available. Used proposed terms listed on the 1008. - Due Diligence Vendor-03/10/2026 <br> Counter-Received client note- Refinance transaction for REO is still in process. Documents requested are not available. Please advise alternate solution. Audit response- Confirm existing terms at time of closing through closing. - Due Diligence Vendor-03/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements- missing new NOTE , CD and payment letter for new refinance of REO#xxxxxx. only provided the 1008. - Due Diligence Vendor-03/04/2026 |  | Resolved-Documents not yet available. Used proposed terms listed on the 1008. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793 min score 720. Required is 720 Borrower has 793<br>Qualifying DTI below maximum allowed - DTI 40.23% max DTI 50%. Required is 50 Borrower has 40.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861185 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 13:33 | 2026-03-09 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM for noted borrower. - Due Diligence Vendor-03/09/2026 <br> Open-Fraud Report Shows Uncleared Alerts - Missing Sam.gov alert for borrower xxxxxx, Loan processor xxxxxx xxxxxx, Selling agent xxxxxx appears borrower is selling agent per pdf 148. however she is not representing the seller only herself. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received SAM for noted borrower. - Due Diligence Vendor-03/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 793 min score 720. Required is 720 Borrower has 793<br>Qualifying DTI below maximum allowed - DTI 40.23% max DTI 50%. Required is 50 Borrower has 40.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861186 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 10:06 | 2026-03-19 10:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/19/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide policy with correct coverage amount. - Due Diligence Vendor-03/16/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 11.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 698 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861191 | xxxxxx C B A | Closed | xxxxxx | 2026-04-17 12:24 | 2026-04-22 07:12 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received corrected PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Open-\*\*\*\*NEW\*\*\*\* - Zero (0%) tolerance fees increased by $370.00 (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 $370.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received corrected PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.46 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861191 | xxxxxx C B A | Closed | xxxxxx | 2026-04-06 20:25 | 2026-04-17 13:29 | 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. Deemed non material as reserves are short by less than 1 month<br> - Due Diligence Vendor-04/17/2026 <br>Open-Audited Reserves of 3.01 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/17/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) No post closing reserves available. - Due Diligence Vendor-04/07/2026 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material as reserves are short by less than 1 month<br> - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.46 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861192 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861195 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861198 | xxxxxx B A | Closed | xxxxxx | 2026-04-01 15:40 | 2026-04-01 15:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/01/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - DTI 40.46 max 50%. Required is 50 Borrower has 40.46<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 741 min score 720. Required is 720 Borrower has 741 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861211 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 10:18 | 2026-04-23 09:55 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE for client for Pricing changes on COC. Finding Resolved. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($2,133.87) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,548.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $2,548.00 to $2,133.87 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $414.13, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/14/2026 |  | Resolved-Received LOE for client for Pricing changes on COC. Finding Resolved. - Due Diligence Vendor-04/23/2026 | Verified employment history exceeds guidelines - Borrower self employed > 6 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $21,730.52<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.94<br>On time mortgage history exceeds guideline requirement - 0x30 for 12 months required/ Borrower 0x30 for 48 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861211 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 13:28 | 2026-04-23 09:55 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LOE for client for Pricing changes on COC. Finding Resolved. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5,244.03.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 $5,244.03 (Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $5,244.03, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received LOE for client for Pricing changes on COC. Finding Resolved. - Due Diligence Vendor-04/23/2026 | Verified employment history exceeds guidelines - Borrower self employed > 6 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $21,730.52<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.94<br>On time mortgage history exceeds guideline requirement - 0x30 for 12 months required/ Borrower 0x30 for 48 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861211 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 14:50 | 2026-04-22 11:48 | 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). Name on mortgage matches title vesting. The loan file contains a Signature/Name affidavit with and without the middle name. - Due Diligence Vendor-04/22/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Borrower's name does not match Note (middle name removed). Additional findings may apply. - Due Diligence Vendor-04/14/2026 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Name on mortgage matches title vesting. The loan file contains a Signature/Name affidavit with and without the middle name. - Due Diligence Vendor-04/22/2026 | Verified employment history exceeds guidelines - Borrower self employed > 6 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $21,730.52<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.94<br>On time mortgage history exceeds guideline requirement - 0x30 for 12 months required/ Borrower 0x30 for 48 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861211 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 10:27 | 2026-04-15 09:11 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.302% is within allowable threshold of APOR of 6.12% + 3.75% or 9.87%. - Due Diligence Vendor-04/15/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.302% is within allowable threshold of APOR of 6.12% + 3.75% or 9.87%. - Due Diligence Vendor-04/14/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.302% is within allowable threshold of APOR of 6.12% + 3.75% or 9.87%. - Due Diligence Vendor-04/15/2026 | Verified employment history exceeds guidelines - Borrower self employed > 6 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $21,730.52<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.94<br>On time mortgage history exceeds guideline requirement - 0x30 for 12 months required/ Borrower 0x30 for 48 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861211 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 14:49 | 2026-04-15 09:11 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/15/2026 <br> Open-Income and Employment Do Not Meet Guidelines Guidelines, for NSF, state if there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. The file contains an approved Loan Exception which states "Allow 11 NSFs int the last 12 months vs If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period." - Due Diligence Vendor-04/14/2026 |  | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/15/2026 | Verified employment history exceeds guidelines - Borrower self employed > 6 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $21,730.52<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.94<br>On time mortgage history exceeds guideline requirement - 0x30 for 12 months required/ Borrower 0x30 for 48 months | Residual income more than 2.5x the amount required by guidelines<br> Self-employed for > 5 years<br> 0x30 for 48 months on all mortgages<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861211 | xxxxxx C B A | Closed | xxxxxx | 2026-04-15 06:43 | 2026-04-15 09:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/15/2026 <br> Open-Audited FICO of 709 is less than Guideline FICO of 720 Guidelines require a minimum FICO score of 720 for a xxxxxx property. Exception in file to allow 709 FICO score. - Due Diligence Vendor-04/15/2026 |  | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/15/2026 | Verified employment history exceeds guidelines - Borrower self employed > 6 years<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $21,730.52<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.94<br>On time mortgage history exceeds guideline requirement - 0x30 for 12 months required/ Borrower 0x30 for 48 months | Residual income more than 2.5x the amount required by guidelines<br> Self-employed for > 5 years<br> 0x30 for 48 months on all mortgages<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861221 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 13:17 | 2026-03-30 12:34 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Waived-Originator provided a waiver for missing VVOE, applied to non material finding with comp factors - Due Diligence Vendor-03/30/2026 <br> Counter-Client comments - B2 is a xxxxxx and receives 1099. Income was calculated using Sch C. Please see the income wk sheet showing negative income for B2. Can you please clear the conditions based on our findings. - AUDIT Response - Please provide the Verbal Verification of Employment.<br> - Due Diligence Vendor-03/26/2026 <br> Counter-Received Analysis. Missing VVOE to meet guidelines. - Due Diligence Vendor-03/25/2026 <br> Counter-Received rebuttal B2 income is not considered. B2 wage income is positive and considered. Please provide VVOE. - Due Diligence Vendor-03/20/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/10/2026 |  | Waived-Originator provided a waiver for missing VVOE, applied to non material finding with comp factors - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.62 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 861221 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 13:17 | 2026-03-19 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-03/19/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/10/2026 |  | Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.62 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861231 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 07:59 | 2026-03-30 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA for xxxxxx provided. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/30/2026 <br> Counter-Received Property profile for xxxxxx. Review of loan documents appear to indicate HOA in place. Confirmed with online appear to have HOA of xxxxxx. Please confirm with documentation. - Due Diligence Vendor-03/25/2026 <br> Open-Missing verification of taxes for REO xxxxxx. Audit used lender's 1003 payment to qualify. Additional findings may apply.<br> - Due Diligence Vendor-03/20/2026 |  | Resolved-HOA for xxxxxx provided. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773<br>Months Reserves exceed minimum required - 8.97 months reserves verified and 6 months required. |  | HOA Dues.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861231 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 23:16 | 2026-03-25 08:48 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received locked LE. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. . Please provide a Le or Cd within 3 days of the rate lock. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received locked LE. Finding resolved. - Due Diligence Vendor-03/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773<br>Months Reserves exceed minimum required - 8.97 months reserves verified and 6 months required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861242 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 09:08 | 2026-04-10 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received documentation to support xxxxxx is not in the borrowers name. - Due Diligence Vendor-04/10/2026 <br> Open-Fraud Report Shows Uncleared Alerts Possible REO owned on xxxxxx, shows borrower owns as a trustee (same trust as the subject property) however no evidence was provided showing borrower is not liable for expenses on this property. - Due Diligence Vendor-03/23/2026 |  | Resolved-Received documentation to support xxxxxx is not in the borrowers name. - Due Diligence Vendor-04/10/2026 | CLTV is less than guidelines maximum - Required is 85 Borrower has 73.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861242 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 09:48 | 2026-03-31 12:34 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-After further review, there is no lien on credit, or on title and appraiser notes "owned xxxxxx". - Due Diligence Vendor-03/31/2026 <br> Counter-Received duplicate appraisal reflecting owned xxxxxx. Missing documentation no financing and xxxxxx is owned free of liability. - Due Diligence Vendor-03/26/2026 <br> Open-Missing xxxxxx documentation to determine compliance with Guideline Section 1.8.2.11. Appraisal notes owned xxxxxx. No UCC noted on title, and no related debt noted on credit report. Audit is unable to determine if any debt for the xxxxxx. Additional findings may apply and DTI may require recalculated. - Due Diligence Vendor-03/20/2026 |  | Resolved-After further review, there is no lien on credit, or on title and appraiser notes "owned xxxxxx". - Due Diligence Vendor-03/31/2026 | CLTV is less than guidelines maximum - Required is 85 Borrower has 73.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861242 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 08:47 | 2026-03-26 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received perm resident alien card. - Due Diligence Vendor-03/26/2026 <br>Open-Borrower Citizenship Documentation Is Missing Perm resident card is expired. - Due Diligence Vendor-03/23/2026 |  | Resolved-Received perm resident alien card. - Due Diligence Vendor-03/26/2026 | CLTV is less than guidelines maximum - Required is 85 Borrower has 73.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861244 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 14:14 | 2026-03-24 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C - Due Diligence Vendor-03/24/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/17/2026 |  | Resolved-Received 4506C - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.18 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861244 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 14:14 | 2026-03-24 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 C - Due Diligence Vendor-03/24/2026 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/17/2026 |  | Resolved-Received 4506 C - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.18 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861250 | xxxxxx C A | Closed | xxxxxx | 2026-04-10 08:16 | 2026-04-15 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report reflecting high alerts cleared. - Due Diligence Vendor-04/15/2026 <br>Open-Fraud Report Shows Uncleared Alerts The fraud report contains uncleared high alerts. - Due Diligence Vendor-04/10/2026 |  | Resolved-Received fraud report reflecting high alerts cleared. - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 760<br>LTV is less than guideline maximum - Required is 90 Borrower has 74.15<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.73 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861259 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 09:46 | 2026-04-01 11:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $296,518.31. The disclosed finance charge of $296,343.31 is not considered accurate for purposes of rescission because it is understated by more than $35. ----- Finance charge is understated by $140 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $140 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-03/27/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.99<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861259 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 09:46 | 2026-04-01 11:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $296,518.31. The disclosed finance charge of $296,343.31 is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $296,518.31. The disclosed finance charge of $296,343.31 is not considered accurate because it is understated by more than $100 at $175.00. Provide evidence of refund or principal reduction of $175.00, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-03/27/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.99<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861261 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 17:27 | 2026-03-23 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received bi annual taxes and calculation considered. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Tax was calculated at 1.35%<br> xxxxxx \* 1.35%= xxxxxx<br> xxxxxx/12=xxxxxx - Seller-03/20/2026 <br> Open-Missing Evidence of Property Tax Unable to find lender calculations - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Tax was calculated at 1.35%<br> xxxxxx \* 1.35%= xxxxxx<br> xxxxxx/12=xxxxxx - Seller-03/20/2026 | Resolved-Received bi annual taxes and calculation considered. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.45 |  | xxxxxx-Property-Tax-003-090-200-2025-secured-bill.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861270 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861292 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 13:50 | 2026-03-17 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the 1003 indicates no primary housing expense. - Due Diligence Vendor-03/17/2026 <br>Counter-Received rent free letter from relative. Final 1003 reflects borrower as renting. Please provide corrected 1003 - Due Diligence Vendor-03/16/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide 12 month VOR and any supporting documents per guidelines for the primary residence. - Due Diligence Vendor-03/10/2026 |  | Resolved-After further review, the 1003 indicates no primary housing expense. - Due Diligence Vendor-03/17/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (10.3k) <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 765 Required is 660 Borrower has 765 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861322 | xxxxxx C B A | Closed | xxxxxx | 2026-03-09 10:09 | 2026-03-10 14:41 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow negative income in Jan 2026 on P&L. Non-material waiver applied with comp factors - Due Diligence Vendor-03/10/2026 <br>Open-Income and Employment Do Not Meet Guidelines Lender exception provided for negative income in Jan 2026 on P&L. - Due Diligence Vendor-03/10/2026 |  | Waived-Client exception granted to allow negative income in Jan 2026 on P&L. Non-material waiver applied with comp factors - Due Diligence Vendor-03/10/2026 | LTV is less than guideline maximum - Required is 65 Borrower has 25.64 Required is 65 Borrower has 25.64<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.09 Required is 50 Borrower has 7.09<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683 Required is 660 Borrower has 683 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines<br> Reserves exceed requirement by 2 months or more |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861326 | xxxxxx B A | Closed | xxxxxx | 2026-03-30 10:43 | 2026-03-30 10:43 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 747<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 861326 | xxxxxx B A | Closed | xxxxxx | 2026-03-30 10:43 | 2026-03-30 10:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/30/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 747<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 861329 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 08:02 | 2026-03-17 16:34 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/13/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.32<br>LTV is less than guideline maximum - Required is 80 Borrower has 48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861329 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 12:21 | 2026-03-17 16:23 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/17/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date is xxxxxx - Due Diligence Vendor-03/17/2026 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.32<br>LTV is less than guideline maximum - Required is 80 Borrower has 48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861336 | xxxxxx C B A | Closed | xxxxxx | 2026-04-10 18:42 | 2026-04-16 10:44 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-04/16/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-04/10/2026 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.27<br>LTV is less than guideline maximum - Required is 70 Borrower has 55 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861336 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 10:38 | 2026-04-08 12:34 | 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-04/08/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.27<br>LTV is less than guideline maximum - Required is 70 Borrower has 55 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-27 10:09 | 2026-04-17 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-B2 REOs – Per Divorce Decree – REOs xxxxxx were awarded to B2 ex-spouse. B2 is not responsible for REOs xxxxxx - Due Diligence Vendor-04/17/2026 <br> Counter-There's a note on the 1008 that indicates 3 mortgages are paid by others, Please confirm what properties you are excluding as paid by others and confirm what was provided to support excluding the PITIA from the DTI. - Due Diligence Vendor-04/17/2026 <br> Counter-Received Lender response: On the 1008, the Total All Monthly Payments figure does not necessarily equal the primary housing payment plus or minus rental cash flow and all other liabilities. This is due to Agency calculation methodology used on the 1008. Rental cash flow impacts the debt to income ratio through the income section, not through monthly liabilities. Positive rental cash flow does not reduce monthly obligations, and negative rental cash flow is not added to liabilities; instead, it reduces qualifying income. As a result, the 1008s Total All Monthly Payments will not equal a simple sum of housing, cash flow, and liabilities. Audit.- Income noted with Wage, Disability and income loss for noted properties resulting in Qualifying income $18,192.11, subject rent $43344.59 and other REO rent $5496.97. Finding remains. - Due Diligence Vendor-04/07/2026 <br> Open-Audited DTI of 68.3% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/27/2026 |  | Resolved-B2 REOs – Per Divorce Decree – REOs xxxxxx were awarded to B2 ex-spouse. B2 is not responsible for REOs xxxxxx - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 15:29 | 2026-04-17 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Fraud Report Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-04/07/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Fraud Report Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-04/07/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 15:29 | 2026-04-17 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Fraud Report Undisclosed Debt Verification. No new debt noted - Due Diligence Vendor-04/07/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Fraud Report Undisclosed Debt Verification. No new debt noted - Due Diligence Vendor-04/07/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-27 06:15 | 2026-04-15 17:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received rebuttal. xxxxxx disability and no 4506 required. - Due Diligence Vendor-04/15/2026 <br> Counter-Received incomplete 4506. Not boxes checked nor year/period requested noted. - Due Diligence Vendor-04/07/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/27/2026 |  | Resolved-Received rebuttal. xxxxxx disability and no 4506 required. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-27 06:15 | 2026-04-15 17:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received rebuttal. xxxxxx disability and no 4506 required. - Due Diligence Vendor-04/15/2026 <br> Counter-Received rebuttal: 4506 only required on standard documentation. Borrower is qualifying with 1099 documentation and Disability. 4506 required for disability. - Due Diligence Vendor-04/15/2026 <br> Counter-Received incomplete 4506. Not boxes checked nor year/period requested noted. - Due Diligence Vendor-04/07/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/27/2026 |  | Resolved-Received rebuttal. xxxxxx disability and no 4506 required. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 13:34 | 2026-04-15 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Occupancy Affidavit acceptable for non DSCR delayed financing. - Due Diligence Vendor-04/15/2026 <br>Counter-For clarification: please provide LOE for purpose of cash out. File contains Occupancy Affidavit. - Due Diligence Vendor-04/09/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Occupancy Affidavit acceptable for non DSCR delayed financing. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 14:27 | 2026-04-15 09:04 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received confirmation from insurer rent loss coverage is present. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. - Seller-04/13/2026 <br>Counter-Received note from originator to see Loss of Use coverage. Provide confirmation from insurer this includes loss of rents and not noted on policy provided. - Due Diligence Vendor-04/13/2026 <br>Counter-Received Binder "Temporary Insurance Contract". Please provide actual policy for confirmation of final HOI terms and policy number. - Due Diligence Vendor-04/07/2026 <br>Open-Rent Loss Coverage is Insufficient or Missing. Rent Loss Coverage is Insufficient or Missing - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026<br>| Resolved-Received confirmation from insurer rent loss coverage is present. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  | xxxxxx Loss of Use Agent Confirmation.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 14:06 | 2026-04-09 11:13 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final policy confirming mtg removed. - Due Diligence Vendor-04/09/2026 <br>Open-Property Title Issue Evidence #5 title requirements is released / Release of mortgage deed. No payoff on CD. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received final policy confirming mtg removed. - Due Diligence Vendor-04/09/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861337 | xxxxxx D B A | Closed | xxxxxx | 2026-03-27 06:15 | 2026-03-27 10:56 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Waived- Investor waiver applied to non-material finding with compensating factors. 1099 borrower employed 21 months vs minimum 24 months. Exception approved. - Due Diligence Vendor-03/27/2026 <br>Open-Borrower 1 W2/1099 Less Than 24 Months Provided - Due Diligence Vendor-03/27/2026 |  | Waived- Investor waiver applied to non-material finding with compensating factors. 1099 borrower employed 21 months vs minimum 24 months. Exception approved. - Due Diligence Vendor-03/27/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 | FICO 715(680)<br> Reserves 15mo(6mo.)<br> Cash out will bring reserves to >100 mo<br> Residual income<br> $10,589 ($2500)<br> LTV 70% (using lower on delaying financing) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861341 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 09:02 | 2026-03-18 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received revised 1003 and sufficient reserves. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Post 1003. Rebuttal: Closing costs $4554.97. Required reserve is $20,233.84, and we have verified $25,366.65. - Seller-03/16/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) No reserves available. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Uploaded. See Post 1003. Rebuttal: Closing costs $4554.97. Required reserve is $20,233.84, and we have verified $25,366.65. - Seller-03/16/2026 | Resolved-Received revised 1003 and sufficient reserves. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Credit history exceeds minimum required - Credit History since 2014, guides require 2 years |  | Post 1003.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861341 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 12:42 | 2026-03-18 13:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD dated xxxxxx. Finding resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-03/16/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-03/16/2026<br>| Resolved-Received PCCD dated xxxxxx. Finding resolved. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Credit history exceeds minimum required - Credit History since 2014, guides require 2 years |  | PCCD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861341 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 12:12 | 2026-02-27 12:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non material finding - Due Diligence Vendor-02/27/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non material finding - Due Diligence Vendor-02/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Credit history exceeds minimum required - Credit History since 2014, guides require 2 years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 861345 | xxxxxx C A | Closed | xxxxxx | 2026-03-24 20:25 | 2026-03-26 13:02 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-xxxxxx search was provided. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Open-Income and Employment Do Not Meet Guidelines Business phone number verification via xxxxxx Search, xxxxxx or internet is required. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-xxxxxx search was provided. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 Required is 680 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.31 Required is 49.99 Borrower has 28.31 |  | xxxxxx Search.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861381 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861384 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 15:49 | 2026-04-10 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for xxxxxx. - Due Diligence Vendor-04/10/2026 <br> Counter-1003 provided and PITIA for xxxxxx provided. Please provide the PITIA for xxxxxx. - Due Diligence Vendor-04/01/2026 <br> Counter-Received final settlement statement for xxxxxx. Missing full PITIA validation as CD not used. Please provide Note, HOI and re taxes considered. Received note xxxxxx and xxxxxx did not close. Please provide corrected final 1003. - Due Diligence Vendor-03/26/2026 <br> Counter-Received CD for property xxxxxx . Finding is for xxxxxx. - Due Diligence Vendor-03/18/2026 <br> Open-New refinance mortgage statements or CD's for new loans on property xxxxxx not provided. Subject to additional conditions. - Due Diligence Vendor-03/09/2026 |  | Resolved-Received PITIA for xxxxxx. - Due Diligence Vendor-04/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.99 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861388 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 16:25 | 2026-03-18 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letter with License verification - Due Diligence Vendor-03/18/2026 <br>Open-Borrower 1 CPA Letter Missing CPA license not provided - Due Diligence Vendor-03/11/2026 |  | Resolved-Received CPA Letter with License verification - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 747 Required is 660 Borrower has 747<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.54 Required is 50 Borrower has 22.54 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861389 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 16:47 | 2026-03-24 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Review received revised report reflecting non borrowing spouse considered in party search. - Due Diligence Vendor-03/24/2026 <br>Counter-Received fraud report. Missing non-borrowing spouse search within interested parties. - Due Diligence Vendor-03/19/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists xxxxxx (non borrowing spouse) not checked with exclusionary lists. - Due Diligence Vendor-03/12/2026 |  | Resolved-Review received revised report reflecting non borrowing spouse considered in party search. - Due Diligence Vendor-03/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861389 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 16:26 | 2026-03-19 11:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI. - Due Diligence Vendor-03/19/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-03/12/2026 |  | Resolved-Received correct HOI. - Due Diligence Vendor-03/19/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861389 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 17:10 | 2026-03-17 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-credit inquiries on 1/22/26 to be addressed: xxxxxx are from Loan Origination company - matches 1003 - Due Diligence Vendor-03/17/2026 <br> Open-LOX for credit inquiries is missing. LOX for the following credit inquiries on 1/22/26 to be addressed: xxxxxx. - Due Diligence Vendor-03/12/2026 |  | Resolved-credit inquiries on 1/22/26 to be addressed: xxxxxx are from Loan Origination company - matches 1003 - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861403 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 12:38 | 2026-03-18 14:36 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional information is required. - Due Diligence Vendor-03/18/2026 <br>Counter-Received Borrower Contact Consent form. Please provide consent form showing that borrower consented to receive documents/disclosures electronically and date of consent. Additional findings may apply upon receipt. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Open-Missing e-Consent. Missing signed e-Consent - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Upon further review, no additional information is required. - Due Diligence Vendor-03/18/2026<br>| CLTV is less than guidelines maximum - Required is 70 Borrower has 47.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.1 |  | xxxxxx_Borrower Contact Consent Form.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861403 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 14:17 | 2026-03-18 10:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Compliance findings resolved. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. This loan failed the date the rate was set validation test. (12 CFR §1026.32(1)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. -----Unable to test properly with out lock date. Please provide lock date. Additional findings may apply upon receipt.<br> - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Compliance findings resolved. - Due Diligence Vendor-03/18/2026<br>| CLTV is less than guidelines maximum - Required is 70 Borrower has 47.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.1 |  | xxxxxx_COC.LE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861403 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 12:14 | 2026-03-17 17:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Initial CD dated within 3 days of application, finding resolved. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received Initial CD dated within 3 days of application, finding resolved. - Due Diligence Vendor-03/17/2026<br>| CLTV is less than guidelines maximum - Required is 70 Borrower has 47.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.1 |  | xxxxxx_INITIAL-CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861403 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 11:57 | 2026-03-17 17:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Date the Rate Was Set Validation Test | Resolved-Received Initial CD and Rate Lock Date for proper testing, finding resolved. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Open-This loan failed the date the rate was set validation test. (12 CFR §1026.32(1)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. -----Unable to test properly with out lock date. Please provide lock date. Additional findings may apply upon receipt. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received Initial CD and Rate Lock Date for proper testing, finding resolved. - Due Diligence Vendor-03/17/2026 | CLTV is less than guidelines maximum - Required is 70 Borrower has 47.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.1 |  | xxxxxx_COC.LE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861422 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861428 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 11:16 | 2026-03-31 13:38 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Rec'd Final Statement - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. Final Settlement statement is uploaded to confirm the disbursement date and the interest being collected. - Seller-03/30/2026 <br> Open-Final CD shows disbursement date of xxxxxx, but prepaid interest starts on xxxxxx. Provide evidence that the loan did not start accruing interest prior to funds being disbursed. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. Final Settlement statement is uploaded to confirm the disbursement date and the interest being collected. - Seller-03/30/2026<br>| Resolved-Rec'd Final Statement - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.39<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737 |  | FSS.PDF | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861430 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 10:52 | 2026-04-01 15:27 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received compliance items. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. please see attached disclosure tracking reflecting cd rec xxxxxx - Seller-03/31/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. please see attached disclosure tracking reflecting cd rec xxxxxx - Seller-03/31/2026 | Resolved-Received compliance items. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - DTI: 45.22%<50% max<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 42.55 months. |  | xxxxxx disclosure tracking.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861430 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 14:36 | 2026-04-01 11:11 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LEs and Rate Lock, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Open-\*\*\*NEW\*\*\* This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx.-----provide evidence of Rate Lock - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026<br>| Resolved-Received LEs and Rate Lock, finding resolved. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - DTI: 45.22%<50% max<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 42.55 months. |  | xxxxxx lock change le and coc.pdf<br> xxxxxx lock le and coc.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861430 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 17:16 | 2026-03-27 14:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-CD received finding resolved. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open------ Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-CD received finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying DTI below maximum allowed - DTI: 45.22%<50% max<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 42.55 months. |  | xxxxxx disclosure tracking.pdf<br> xxxxxx initial cd.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861432 | xxxxxx D A | Closed | xxxxxx | 2026-02-23 14:50 | 2026-02-27 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received credit supplement showing auto loan in repayment and paid current. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-Auto Loan with xxxxxx was deferred and now in repayment. Credit report does not reflect monthly payment. Debt included but need verification of monthly payment. Subject to additional conditions. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Received credit supplement showing auto loan in repayment and paid current. - Due Diligence Vendor-02/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.2<br>LTV is less than guideline maximum - Required is 75 Borrower has 51.01 |  | xxxxxx of pmt on Security Services auto loan.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861433 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 14:29 | 2026-04-08 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-The inquiry letter addresses the inquiry with a typo on the date of 3/1 instead of 3/11. There is no inquiry from this lender on 3/1. - Due Diligence Vendor-04/08/2026 <br> Open-LOX for credit inquiries is missing. Explanation was not included in the file credit inquiry on 03/11/2026 with xxxxxx xxxxxx - Due Diligence Vendor-03/31/2026 |  | Resolved-The inquiry letter addresses the inquiry with a typo on the date of 3/1 instead of 3/11. There is no inquiry from this lender on 3/1. - Due Diligence Vendor-04/08/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.78<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719<br>LTV is less than guideline maximum - Required is 75 Borrower has 59 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861433 | xxxxxx C B A | Closed | xxxxxx | 2026-03-30 12:52 | 2026-03-30 12:52 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material findings - Due Diligence Vendor-03/30/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material findings - Due Diligence Vendor-03/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.78<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719<br>LTV is less than guideline maximum - Required is 75 Borrower has 59 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861434 | xxxxxx D A | Closed | xxxxxx | 2026-03-24 17:25 | 2026-04-01 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received corrected WVOE. - Due Diligence Vendor-04/01/2026 <br> Open-Borrower 1 WVOE Missing WVOE signed by xxxxxx is dated xxxxxx. - Due Diligence Vendor-03/24/2026 |  | Resolved-Received corrected WVOE. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861434 | xxxxxx D A | Closed | xxxxxx | 2026-03-24 16:09 | 2026-04-01 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Confirmation of Searches - Due Diligence Vendor-04/01/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists missing real estate agents/ company - Due Diligence Vendor-03/24/2026 |  | Resolved-Received Confirmation of Searches - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861445 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 19:01 | 2026-04-22 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries is present in file. No new debt acquired - Due Diligence Vendor-04/22/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received LOX for credit inquiries is present in file. No new debt acquired - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.02 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861446 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 11:38 | 2026-03-27 08:46 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC and reasoning provided. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,267.88.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 $1267.88 (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1267.88, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/20/2026 |  | Resolved-COC and reasoning provided. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861446 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 10:34 | 2026-03-23 11:13 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------Compliant xxxxxx Subprime- APR on subject loan of 6.916% is within allowable threshold of APOR of 5.99% + 1.75% or 7.74%. - Due Diligence Vendor-03/23/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.916% is within allowable threshold of APOR of 5.99% + 1.75% or 7.74%. - Due Diligence Vendor-03/20/2026 |  | Resolved------Compliant xxxxxx Subprime- APR on subject loan of 6.916% is within allowable threshold of APOR of 5.99% + 1.75% or 7.74%. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861459 | xxxxxx C A | Closed | xxxxxx | 2026-04-01 11:11 | 2026-04-13 07:26 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received corrected ROR and PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Counter-Right to Cancel Transaction Date is xxxxxx but the Disclosure Cancel Date entered is xxxxxx. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). Borrower did not receive a full 3-day right of rescission. Rescission must be re-opened as rescission period ended on xxxxxx, ROR reflects xxxxxx. Provide a corrected ROR with a PCCD with a disbursement date after xxxxxx. - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- The Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received corrected ROR and PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724<br>LTV is less than guideline maximum - Required is 80 Borrower has 67.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.5 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861459 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 10:03 | 2026-04-13 07:14 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-The number of business days between the Right to Cancel Transaction Date and the Disclosure Cancel Date are equal to or greater than 3 days, or Not Applicable. - Due Diligence Vendor-04/13/2026 <br> Open-\*NEW\* Right to Cancel Transaction Date is xxxxxx but the Disclosure Cancel Date entered is xxxxxx. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). -----Borrower did not receive a full 3-day right of rescission. Rescission must be re-opened as rescission period ended on xxxxxx, ROR reflects xxxxxx. Provide a corrected ROR with a PCCD with a disbursement date after xxxxxx. - Due Diligence Vendor-04/07/2026 |  | Resolved-The number of business days between the Right to Cancel Transaction Date and the Disclosure Cancel Date are equal to or greater than 3 days, or Not Applicable. - Due Diligence Vendor-04/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724<br>LTV is less than guideline maximum - Required is 80 Borrower has 67.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.5 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861459 | xxxxxx C A | Closed | xxxxxx | 2026-04-01 14:32 | 2026-04-08 09:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/08/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide Title supplemental Report with Title proposed insured Loan amount of xxxxxx - Due Diligence Vendor-04/01/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724<br>LTV is less than guideline maximum - Required is 80 Borrower has 67.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.5 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861460 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861482 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 14:43 | 2026-03-19 10:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission was provided, finding resolved. - Due Diligence Vendor-03/19/2026 <br>Open-Right of Rescission is Partially Provided Missing borrower signed ROR. - Due Diligence Vendor-03/12/2026 |  | Resolved-Right of Rescission was provided, finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748 Required is 720 Borrower has 748<br>Months Reserves exceed minimum required - 4 months reserves required; 51.82 months in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861488 | xxxxxx D A | Closed | xxxxxx | 2026-03-14 21:46 | 2026-04-01 11:06 | Resolved | 1 - Information D A | Property | Missing Doc | Property 1: Missing Second Valuation Product | Resolved-The original appraisal was for xxxxxx, the same appraiser increased value to xxxxxx due to a bonus room. The desk was done on the appraisal with the xxxxxx value however, the lender closed the loan at the xxxxxx value. The desk review is acceptable since it was done on the same appraisal, just with the increased value. - Due Diligence Vendor-04/01/2026 <br> Counter-Received appraisal signed xxxxxx and desk review xxxxxx. Missing desk review for final value appraisal, xxxxxx signed xxxxxx - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Counter-Finding remains. Appraisal dated xxxxxx has a value of xxxxxx. CDA provided reflects Appraised value of xxxxxx. They must match - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Open-Provide Desk Review to match subject appraisal report value of xxxxxx [the Desk Review on file reflect appraisal value of xxxxxx] - Due Diligence Vendor-03/15/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026 <br>Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-The original appraisal was for xxxxxx, the same appraiser increased value to xxxxxx due to a bonus room. The desk was done on the appraisal with the xxxxxx value however, the lender closed the loan at the xxxxxx value. The desk review is acceptable since it was done on the same appraisal, just with the increased value. - Due Diligence Vendor-04/01/2026 | Months Reserves exceed minimum required - 13.3 months reserves; no reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734<br>Qualifying DTI below maximum allowed - 48.27% DTI; max 49.99% DTI |  | 363320-V2.pdf<br> xxxxxx APPRAISAL.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861490 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 15:50 | 2026-03-06 16:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected final 1003 and rent free letter. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please review the updated 1003. The borrower resided at the former property from 2024 through June 2025. - Seller-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the 6 month rental history for the borrower's previous address. The borrower currently has no primary housing expense for 6 months. The borrower indicated she rented at her previous address for 2 years. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please review the updated 1003. The borrower resided at the former property from 2024 through June 2025. - Seller-03/05/2026<br>| Resolved-Received corrected final 1003 and rent free letter. - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.39 |  | updated 1003.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861490 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 13:43 | 2026-03-03 14:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.39 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | N/A | xxxxxx |
| 861491 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-05 07:59 | 2026-03-09 17:42 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing listing/buyers agents, seller - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received Fraud w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.17 |  | xxxxxx - Report.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861491 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-05 07:23 | 2026-03-09 17:40 | Resolved | 1 - Information D A | Property | Missing Doc | Completion Report (442/1004D) is Partially Provided (Primary Value) | Resolved-Received complete 1004D - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. please review the appraisal report with completion report - Seller-03/05/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is Partially Present Have all attachments to the 1004D, but missing the actual report page - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. please review the appraisal report with completion report - Seller-03/05/2026<br>| Resolved-Received complete 1004D - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.17 |  | Appraisal.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861491 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-03 13:55 | 2026-03-03 21:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.17 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861493 | xxxxxx C B A | Closed | xxxxxx | 2026-03-20 10:12 | 2026-03-20 10:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*NEW Final settlement statement in file shows disbursement date of xxxxxx which is after cancel date. Finding resolved. - Due Diligence Vendor-03/20/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/20/2026 |  | Resolved-\*\*\*NEW Final settlement statement in file shows disbursement date of xxxxxx which is after cancel date. Finding resolved. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 76.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861493 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 09:44 | 2026-03-20 10:13 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Upon further review, no additional documentation required. Finding resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Rebuttal - ICD was signed on xxxxxx and FCD Date Issued and Closing Date is on xxxxxx. - Seller-03/18/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/04/2026 | Ready for Review-Rebuttal - ICD was signed on xxxxxx and FCD Date Issued and Closing Date is on xxxxxx. - Seller-03/18/2026 | Resolved-Upon further review, no additional documentation required. Finding resolved. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 76.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861493 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 09:33 | 2026-03-04 09:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings<br> - Due Diligence Vendor-03/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings<br> - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 76.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 23.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861497 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 09:27 | 2026-04-07 11:09 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Review of loan file reveal item 10 elimited per title supplement - Due Diligence Vendor-04/07/2026 <br> Open-Property Title Issue Title - Exceptions #10 - Spousal/Child Support Judgment of the xxxxxx was not cleared. - Due Diligence Vendor-03/31/2026 |  | Resolved-Review of loan file reveal item 10 elimited per title supplement - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 66.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.72 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861498 | xxxxxx C A | Closed | xxxxxx | 2026-04-10 06:52 | 2026-04-14 07:19 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.03.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). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/14/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $580.97.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 $580.97 (Rate Lock Extension 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 $580.97, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/10/2026 |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.03.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). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/14/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861503 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 10:03 | 2026-04-03 07:47 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/03/2026 <br> Counter-Lender Credits decreased from $349.38 on the Initial CD dated xxxxxx to $0.00 on the Revised CD dated xxxxxx. Please provide a COC with explanation of decrease in lender credits. Finding remains. - Due Diligence Vendor-03/24/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($649.38). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). --------Lender credit decreased from $349.38 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $349.38, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 35.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861503 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 10:46 | 2026-04-02 15:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-LOX for rental income calculation provided and rental income was updated. DTI is below 50%. - Due Diligence Vendor-04/02/2026 <br> Counter-Please provide a copy of the Leases for xxxxxx is one in the same as xxxxxx and xxxxxx as they were not located in the loan file. REO income for xxxxxx and xxxxxx and xxxxxx will be re-calculated using the actual in place rent calculation. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Seller-03/27/2026 <br> Counter-Received client response: Please see u/w rebuttal for income calculations. Audit- No new response received. - Due Diligence Vendor-03/25/2026 <br> Counter-Received rebuttal. Review has included asset utilization. 2024 Schedule E provide and rental income calculations completed. Worksheet is available on bulletin board for review. Finding remains. - Due Diligence Vendor-03/24/2026 <br> Counter-Received 1008. Audit income differs and rental income worksheet is available for review on bulletin board. Total income $9,473.36 - Due Diligence Vendor-03/20/2026 <br> Open-Audited DTI of 56.72% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/27/2026<br>| Resolved-LOX for rental income calculation provided and rental income was updated. DTI is below 50%. - Due Diligence Vendor-04/02/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 35.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |  | xxxxxx uw rebuttal for income calculations.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861503 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 10:43 | 2026-04-02 15:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-LOX for rental income calculation provided and rental income was updated. DTI is below 50%. - Due Diligence Vendor-04/02/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds the maximum allowed of 50%. - Due Diligence Vendor-03/17/2026 |  | Resolved-LOX for rental income calculation provided and rental income was updated. DTI is below 50%. - Due Diligence Vendor-04/02/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 35.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861503 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 08:46 | 2026-03-26 08:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Evidence of wet sign provided, eConsent not needed. Finding resolved. - Due Diligence Vendor-03/26/2026 <br>Open-Missing e-Consent. Missing E-Consent in file - Due Diligence Vendor-03/12/2026 |  | Resolved-Evidence of wet sign provided, eConsent not needed. Finding resolved. - Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 35.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861506 | xxxxxx B A | Closed | xxxxxx | 2026-03-31 13:58 | 2026-03-31 13:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/31/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 Required is 620 Borrower has 645<br>LTV is less than guideline maximum - Required is 70 Borrower has 43.75 Required is 70 Borrower has 43.75 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861533 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 14:36 | 2026-04-29 11:45 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/26/2026 <br> Open-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. - Due Diligence Vendor-03/26/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - Required is 65 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 658 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861533 | xxxxxx C B A | Closed | xxxxxx | 2026-03-26 09:21 | 2026-03-31 11:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Client provided updated Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-03/31/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/26/2026 |  | Resolved-Client provided updated Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-03/31/2026 | LTV is less than guideline maximum - Required is 65 Borrower has 50<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 658 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861541 | xxxxxx C B A | Closed | xxxxxx | 2026-04-16 10:21 | 2026-04-16 12:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow LTV to exceed 70%, Non-material waiver applied with comp factors. nonmaterial due to FICO and Reserves - Due Diligence Vendor-04/16/2026 <br> Open-Audited LTV of 72.72% exceeds Guideline LTV of 70% - Due Diligence Vendor-04/16/2026 |  | Waived-Client exception granted to allow LTV to exceed 70%, Non-material waiver applied with comp factors. nonmaterial due to FICO and Reserves - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 Required is 700 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.07 Required is 50 Borrower has 41.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861555 | xxxxxx D B A | Closed | xxxxxx | 2026-04-07 11:30 | 2026-04-22 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis, corrected 1003 and 1008. - Due Diligence Vendor-04/22/2026 <br> Counter-Received bank statement analysis. Qualifying monthly income does not match final 1008 or 1003. Please clarify - Due Diligence Vendor-04/14/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-04/07/2026 |  | Resolved-Received business bank statement analysis, corrected 1003 and 1008. - Due Diligence Vendor-04/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74<br>Months Reserves exceed minimum required - 27.37 months PITIA reserves; 0 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861555 | xxxxxx D B A | Closed | xxxxxx | 2026-04-13 10:53 | 2026-04-16 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-04/16/2026 <br> Open-\*\* New\*\*\* LOX for credit inquiries is missing. Gap report provided reflect inquiry dated 3/19 after initial credit of 2/2/26. - Due Diligence Vendor-04/13/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74<br>Months Reserves exceed minimum required - 27.37 months PITIA reserves; 0 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861555 | xxxxxx D B A | Closed | xxxxxx | 2026-04-07 11:38 | 2026-04-13 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-04/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/08/2026 |  | Resolved-Received Gap report. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74<br>Months Reserves exceed minimum required - 27.37 months PITIA reserves; 0 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861555 | xxxxxx D B A | Closed | xxxxxx | 2026-04-07 10:24 | 2026-04-07 10:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/07/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74<br>Months Reserves exceed minimum required - 27.37 months PITIA reserves; 0 months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861559 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861596 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 11:48 | 2026-04-23 11:57 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/23/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income - Need exception email for B1 using 1 year of bonus, need B2 paystub. - Due Diligence Vendor-04/03/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861596 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 09:10 | 2026-04-23 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy. - Due Diligence Vendor-04/23/2026 <br> Counter-Received duplicate HOI policy reflecting as Tenant Occupied (pg 2 Rating Factors). Original finding remains. - Due Diligence Vendor-04/08/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Subject is a 2nd home. Insured as tenant occupied. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received HOI policy. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861596 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 10:22 | 2026-04-23 10:36 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 W2/1099 Less Than 24 Months Provided | Resolved-Received W2 from prior employer xxxxxx. Note...Borrower started with xxxxxx in 2026 according to 1003. - Due Diligence Vendor-04/23/2026 <br> Counter-Received 2025 W2 for B1. Missing 2025 W for B2 from xxxxxx. - Due Diligence Vendor-04/08/2026 <br> Open-Borrower 2 W2/1099 Less Than 24 Months Provided Missing 2025 W-2 - Due Diligence Vendor-04/03/2026 |  | Resolved-Received W2 from prior employer xxxxxx. Note...Borrower started with xxxxxx in 2026 according to 1003. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861596 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 10:22 | 2026-04-23 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 C - Due Diligence Vendor-04/15/2026 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/03/2026 |  | Resolved-Received 4506 C - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861596 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 10:22 | 2026-04-23 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 C - Due Diligence Vendor-04/15/2026 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/03/2026 |  | Resolved-Received 4506 C - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861596 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 10:22 | 2026-04-23 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Received Bwr 2 paystub. - Due Diligence Vendor-04/21/2026 <br>Open-Borrower 2 Paystubs Missing Exception in file to provide paystub post-close. Missing paystub. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received Bwr 2 paystub. - Due Diligence Vendor-04/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861600 | xxxxxx B A | Closed | xxxxxx | 2026-03-15 14:36 | 2026-03-15 14:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material findings. - Due Diligence Vendor-03/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material findings. - Due Diligence Vendor-03/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.86 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861613 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 16:39 | 2026-03-26 13:08 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Review concurs, as balance is below $2k may be considered in DTI and reserves. - Due Diligence Vendor-03/26/2026 <br>Counter-Received 1003 reflecting collection considered in qualifying. As balance is $1,722 collection must be paid or confirmed $0 balance per guideline 5.7 - Due Diligence Vendor-03/23/2026 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Individual collection and non-mortgage charge-off accounts equal to or greater than $250, and accounts that total more than $2,000, must be paid in full prior to or at closing. Credit supplement shows a collection greater then $250. - Due Diligence Vendor-03/11/2026 |  | Resolved-Review concurs, as balance is below $2k may be considered in DTI and reserves. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.62 Required is 50 Borrower has 40.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 Required is 660 Borrower has 743 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 08:14 | 2026-03-31 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Resolved-Upon further review, the remaining credit was used for the per diem interest paid at close. - Due Diligence Vendor-03/31/2026 <br> Open-The lender credits equal $14,000.00, the borrowers total closing costs equal $9,589.58. The lender credits exceed the closing costs by $4,410.42. - Due Diligence Vendor-03/23/2026 |  | Resolved-Upon further review, the remaining credit was used for the per diem interest paid at close. - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 19:25 | 2026-03-31 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC Check Completed and Cleared - Due Diligence Vendor-03/31/2026 <br>Open-OFAC Check Not Completed and/or Cleared Appraiser and appraiser company to be cleared through OFAC and interested parties. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received OFAC Check Completed and Cleared - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 19:25 | 2026-03-31 11:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Upon further review, UW Cert for High Alerts was located in the loan file. - Due Diligence Vendor-03/31/2026 <br> Counter-Received note from originator: It seems this has been addressed in the updated UW cert. Could you kindly clarify which part may still be missing or insufficient? xxxxxx. Review: Unable to locate high alert clearance or UW certification. Please provide. <br> - Due Diligence Vendor-03/30/2026 <br> Counter-Review did not receive clearance of High Alerts reflecting on fraud report. - Due Diligence Vendor-03/24/2026 <br> Counter-Received duplicate fraud report. Missing All high alerts to be cleared. - Due Diligence Vendor-03/23/2026 <br> Open-Fraud Report Shows Uncleared Alerts All high alerts to be cleared. - Due Diligence Vendor-03/11/2026 |  | Resolved-Upon further review, UW Cert for High Alerts was located in the loan file. - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 12:53 | 2026-03-27 12:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-03/27/2026 <br> Counter-Pending receipt of re taxes for xxxxxx - Due Diligence Vendor-03/26/2026 <br> Counter-Pending receipt of re taxes for xxxxxx and final compliance items. - Due Diligence Vendor-03/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents - Due Diligence Vendor-03/13/2026 |  | Resolved-Received missing credit documentation. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 19:34 | 2026-03-27 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received evidence of taxes. - Due Diligence Vendor-03/27/2026 <br> Open-Provide proof of taxes for property xxxxxx - Due Diligence Vendor-03/11/2026 |  | Resolved-Received evidence of taxes. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 19:29 | 2026-03-27 12:18 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Upon further review, gift funds were located in the loan file. - Due Diligence Vendor-03/27/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-369.27'. Assets are Insufficient. Verify sufficient assets for closing. - Due Diligence Vendor-03/11/2026 |  | Resolved-Upon further review, gift funds were located in the loan file. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861617 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 19:34 | 2026-03-19 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received final settlement statement. - Due Diligence Vendor-03/19/2026 <br> Open-Provide proof property xxxxxx has sold - Due Diligence Vendor-03/11/2026 |  | Resolved-Received final settlement statement. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736 Required is 660 Borrower has 736<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.26 Required is 75 Borrower has 59.26<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.63 Required is 50 Borrower has 36.63 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861619 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 12:08 | 2026-03-16 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM clearance. - Due Diligence Vendor-03/16/2026 <br>Counter-Received SAM that reflect active for xxxxxx. Please confirm. - Due Diligence Vendor-03/10/2026 <br>Open-Fraud Report Shows Uncleared Alerts Possible match found on SAM.gov for Loan Processor - Due Diligence Vendor-03/05/2026 |  | Resolved-Received SAM clearance. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861633 | xxxxxx D B A | Closed | xxxxxx | 2026-03-09 07:50 | 2026-03-18 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Client provided Third Party Fraud Report. High and Medium alerts not cleared - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. Please find the attached - Seller-03/11/2026 <br>Open-Missing Third Party Fraud Report, Required per guides. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please find the attached - Seller-03/11/2026<br>| Resolved-Client provided Third Party Fraud Report. High and Medium alerts not cleared - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 24.41<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 |  | merged-xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861633 | xxxxxx D B A | Closed | xxxxxx | 2026-03-13 07:35 | 2026-03-18 13:47 | 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-03/18/2026 <br> Ready for Review-Document Uploaded. Reviwed xxxxxx attached. - Seller-03/18/2026 <br> Counter-Fraud review with SAM.gov provided; however, there was high risk alerts that remained uncleared. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-03/16/2026 <br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Reviwed xxxxxx attached. - Seller-03/18/2026 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-03/16/2026 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 24.41<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 |  | merged-xxxxxx (1).pdf<br> xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861633 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 12:02 | 2026-03-06 12:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 24.41<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861635 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 11:49 | 2026-03-10 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. Uploaded. Credit Refresh. - Seller-03/09/2026 <br>Counter-Gap Report provided is not dated within 10 days. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Uploaded. See xxxxxx Credit Report. - Seller-02/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Uploaded. Credit Refresh. - Seller-03/09/2026 <br>Ready for Review-Document Uploaded. Uploaded. See xxxxxx Credit Report. - Seller-02/27/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-03/10/2026 | Qualifying DTI below maximum allowed - comp factor Required is 49.99 Borrower has 40.65<br>Qualifying FICO score is at least 20 points above minimum for program - comp factor Required is 660 Borrower has 705 |  | xxxxxx Credit_Report_26022357072C.pdf<br> Credit Refresh xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861635 | xxxxxx D B A | Closed | xxxxxx | 2026-02-24 16:29 | 2026-02-24 16:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/24/2026 | Qualifying DTI below maximum allowed - comp factor Required is 49.99 Borrower has 40.65<br>Qualifying FICO score is at least 20 points above minimum for program - comp factor Required is 660 Borrower has 705 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 13:38 | 2026-03-20 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After further review, the HOI and HOA are in the loan file. - Due Diligence Vendor-03/20/2026 <br> Open-REO xxxxxx 1. Missing Insurance 2. missing HOA dues - The property has designation xxxxxx in its address, independent verification indicates the property consists of a xxxxxx located in the xxxxxx subject to monthly HOA dues. - Due Diligence Vendor-03/13/2026 |  | Resolved-After further review, the HOI and HOA are in the loan file. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:01 | 2026-03-19 10:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,079,424.82. The disclosed finance charge of $1,068,653.38 is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $1,366,514.11. The disclosed finance charge of $1,068,653.38 is not considered accurate because it is understated by more than $100 at $297,860.73. Provide evidence of refund or principal reduction of $297,860.73, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx Missing Final CD xxxxxx may fix this issue. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:01 | 2026-03-19 10:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $1,751,228.82. The disclosed total of payments of $1,740,278.38 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. -----Total of payments is understated by $298,039.73 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $298,039.73 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Missing Final CD xxxxxx may fix this issue. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:01 | 2026-03-19 10:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $1,751,228.82. The disclosed total of payments charge of $1,740,278.38 is not considered accurate for purposes of rescission because it is understated by more than $35. -----Total of payments is understated by $297,825.73 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $297,825.73, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Missing Final CD xxxxxx may fix this issue. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:01 | 2026-03-19 10:44 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $1,079,424.82. The disclosed finance charge of $1,068,653.38 is not considered accurate for purposes of rescission because it is understated by more than $35. ----- Finance charge is understated by $298,039.73 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $298,039.73 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. Missing Final CD xxxxxx may fix this issue. - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:54 | 2026-03-19 10:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/19/2026 <br> Open-TRID: Missing Final Closing Disclosure Missing Final CD signed by borrower on xxxxxx. - Due Diligence Vendor-03/12/2026 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861637 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 11:42 | 2026-03-19 09:59 | Resolved | 1 - Information C A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Upon further review, doc was in file. Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM SOL: xxxxxx - Due Diligence Vendor-03/12/2026 |  | Resolved-Upon further review, doc was in file. Finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 786 exceeds min required 660 Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861638 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 13:38 | 2026-03-09 20:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received updated 1003 and 1008 removing alimony. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. xxxxxx team, please see the attached updated 1008 and 1003. The alimony income is not supposed to be included. - Seller-03/06/2026 <br> Open-Per the 1003/1008 and approval, the borrower was qualified with alimony income totaling xxxxxx per month. Documentation of alimony income was not provided. Therefore, audit excluded the xxxxxx monthly alimony in calculating the DTI ratio. It should be noted that a post-closing application did not include the xxxxxx alimony income. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. xxxxxx team, please see the attached updated 1008 and 1003. The alimony income is not supposed to be included. - Seller-03/06/2026<br>| Resolved-Received updated 1003 and 1008 removing alimony. - Due Diligence Vendor-03/10/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734<br>Months Reserves exceed minimum required - 39.97mos reserves. Per guides, 4 reserves required. |  | UPDATED 1003 1008.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861638 | xxxxxx D B A | Closed | xxxxxx | 2026-03-03 14:57 | 2026-03-03 18:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/03/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734<br>Months Reserves exceed minimum required - 39.97mos reserves. Per guides, 4 reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861640 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-12 17:44 | 2026-03-27 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received confirmation from Title, subordination not required. - Due Diligence Vendor-03/27/2026 <br> Counter-Received rebuttal subordination of xxxxxx xxxxxx financing not required. Review confirms loan approval, 1008 and 1003 reflect xxxxxx xxxxxx financing as subordinating. UCC filing reflecting and must meet xxxxxx guidelines. Originator guidelines reflect owned xxxxxx to be paid in full. - Due Diligence Vendor-03/19/2026 <br> Open-Missing confirmation if xxxxxx lien was subordinated as it is included in the CLTV per 1008 - Due Diligence Vendor-03/12/2026 |  | Resolved-Received confirmation from Title, subordination not required. - Due Diligence Vendor-03/27/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 62.42 Required is 80 Borrower has 62.42<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.29 Required is 50 Borrower has 9.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 Required is 680 Borrower has 740 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861640 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 12:14 | 2026-03-27 09:03 | Resolved | 1 - Information A | Compliance | Points & Fees | xxxxxx High Cost Home Loan Points and Fees Threshold Test | Resolved-Received value of undiscounted rate, loan is no longer high-cost, finding resolved - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the points and fees threshold test. (xxxxxx 209 CMR 32.32(1)(a)2) (xxxxxx 209 CMR 40.02 definition "Points and Fees")The loan is a consumer credit transaction secured by the consumer's principal dwelling, and:The total points and fees, as defined under xxxxxx 209 CMR 40.02, excluding the greater of the conventional prepayment penalty or up to 2 bona fide discount points, which total xxxxxx, exceed the greater of 5% of the total loan amount xxxxxx or xxxxxx; orThe total points and fees, as defined under xxxxxx 209 CMR 32.32(2), excluding the greater of the maximum prepayment penalty or up to 2 bona fide discount points, which total xxxxxx, exceed the greater of 5% of the total loan amount xxxxxx or xxxxxx; orThe total points and fees, as set forth under xxxxxx 209 CMR 32.32(1)(a)(3), which total xxxxxx exceed the limitations as described pursuant to 12 CFR 1026.32(a)(1). ----- Tolerance violation exceeds allowable by $571.25, and due to Federal or Section 32 High-Cost, the overage is not curable.<br> - Due Diligence Vendor-03/23/2026 |  | Resolved-Received value of undiscounted rate, loan is no longer high-cost, finding resolved - Due Diligence Vendor-03/27/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 62.42 Required is 80 Borrower has 62.42<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.29 Required is 50 Borrower has 9.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 Required is 680 Borrower has 740 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861640 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-12 17:40 | 2026-03-24 11:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for verified reserves of 4 months < 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-03/24/2026 <br>Counter-Received rebuttal and screen shot. Review is unable to locate the reserve requirements provided. Please provide date of guideline. - Due Diligence Vendor-03/19/2026 <br>Open-Audited Reserves of 4.64 month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional assets to cover reserve requirement - Due Diligence Vendor-03/12/2026 |  | Waived-Client provided a waiver for verified reserves of 4 months < 6 months required, applied to non material finding with comp factors - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 62.42 Required is 80 Borrower has 62.42<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.29 Required is 50 Borrower has 9.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 Required is 680 Borrower has 740 | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861640 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 12:10 | 2026-03-24 08:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC . Finding Resolved - Due Diligence Vendor-03/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $200 (Final Inspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/11/2026 |  | Resolved-Received COC . Finding Resolved - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 62.42 Required is 80 Borrower has 62.42<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.29 Required is 50 Borrower has 9.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 Required is 680 Borrower has 740 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861641 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861644 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 09:32 | 2026-03-23 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, FICO meets requirements for P&L program. - Due Diligence Vendor-03/23/2026 <br> Open-Audited FICO of 687 is less than Guideline FICO of 700 Per guideline 7.1.2, first-time investors owning a primary residence require a 700 FICO. - Due Diligence Vendor-03/17/2026 |  | Resolved-Upon further review, FICO meets requirements for P&L program. - Due Diligence Vendor-03/23/2026 | Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Borrower has 47.52 months of verified reserves.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.35 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861645 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861647 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861669 | xxxxxx D A C | Closed | xxxxxx | 2026-02-20 11:18 | 2026-03-17 08:08 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. ATTACHED is the Locked LE that was disclosed on xxxxxx - Seller-03/13/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----Lock Confirmation Date xxxxxx. Initial Closing Disclosure was Issued xxxxxx not within 3 business days. Finding is curable. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. ATTACHED is the Locked LE that was disclosed on xxxxxx - Seller-03/13/2026 | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/17/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>Months Reserves exceed minimum required - >16 months available vs. 0 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12 |  | Rate_Lock_2026_03_13_69b49b952e307.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861669 | xxxxxx D A C | Closed | xxxxxx | 2026-02-25 12:42 | 2026-03-09 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. please see attached clear fraud report - Seller-03/06/2026 <br> Open-Missing Third Party Fraud Report All high alerts to be addressed and applicable OFAC checked. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. please see attached clear fraud report - Seller-03/06/2026<br>| Resolved-Received Fraud Report - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>Months Reserves exceed minimum required - >16 months available vs. 0 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12 |  | xxxxxx fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861669 | xxxxxx D A C | Closed | xxxxxx | 2026-02-25 12:39 | 2026-03-02 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Notifications Report with no new inquiries. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. see attached fraud report, pg 1 shows last scored date 1/20. on page 30 is the UDM , no new credit inquiries. - Seller-02/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. see attached fraud report, pg 1 shows last scored date 1/20. on page 30 is the UDM , no new credit inquiries. - Seller-02/26/2026 | Resolved-Received Undisclosed Debt Notifications Report with no new inquiries. - Due Diligence Vendor-03/02/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>Months Reserves exceed minimum required - >16 months available vs. 0 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12 |  | xxxxxx fraud report full.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861669 | xxxxxx D A C | Closed | xxxxxx | 2026-02-25 12:39 | 2026-03-02 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Notifications Report with no new inquiries. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. see attached fraud report, pg 1 shows last scored date 1/20. on page 30 is the UDM , no new credit inquiries. - Seller-02/26/2026 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. see attached fraud report, pg 1 shows last scored date 1/20. on page 30 is the UDM , no new credit inquiries. - Seller-02/26/2026 | Resolved-Received Undisclosed Debt Notifications Report with no new inquiries. - Due Diligence Vendor-03/02/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 749<br>Months Reserves exceed minimum required - >16 months available vs. 0 months required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12 |  | xxxxxx fraud report full.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861671 | xxxxxx C B A | Closed | xxxxxx | 2026-04-13 15:37 | 2026-04-15 13:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Client exception granted with compensating factors. Waiver applied to non-material finding. - Due Diligence Vendor-04/15/2026 <br> Open-Audited FICO of 684 is less than Guideline FICO of 700 - Due Diligence Vendor-04/13/2026 |  | Waived--Client exception granted with compensating factors. Waiver applied to non-material finding. - Due Diligence Vendor-04/15/2026 | Months Reserves exceed minimum required - -35 months reserves and 0 required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.08<br>LTV is less than guideline maximum - Required is 80 Borrower has 55.56<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -6.5+ time minimum. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861671 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 07:54 | 2026-04-07 15:32 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived--Client exception granted to allow for expired credit report - 95 days old vs maximum of 90. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. please see attached updated credit report - Seller-03/16/2026 <br> Counter-Received rebuttal credit report was active at CTC. Credit report must meet requirements of guidelines 5.2.1. Finding remains. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. see attached credit report, It was valid still the day it was cleared for CTC and cleared by funding, document date = xxxxxx - Seller-03/10/2026 <br> Open-Borrower 1 Credit Report is Partially Present. 95 days old exceeds 90 day allowance - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. please see attached updated credit report - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. see attached credit report, It was valid still the day it was cleared for CTC and cleared by funding, document date = xxxxxx - Seller-03/10/2026 | Waived--Client exception granted to allow for expired credit report - 95 days old vs maximum of 90. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/07/2026 | Months Reserves exceed minimum required - -35 months reserves and 0 required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.08<br>LTV is less than guideline maximum - Required is 80 Borrower has 55.56<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -6.5+ time minimum. |  | credit report xxxxxx.pdf<br> xxxxxx updated credit report.pdf<br> xxxxxx_Exception.pdf<br> xxxxxx_Exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861671 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 11:33 | 2026-03-12 07:34 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. see attached NRTC, CLOSING DATE IS xxxxxx AND CANCEL DATE ON NRTC IS xxxxxx. THAT IS ATLEAST 3 DAYS RECISSION THAT WAS PROVIDED TO THE BORR. - Seller-03/10/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----The Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. see attached NRTC, CLOSING DATE IS xxxxxx AND CANCEL DATE ON NRTC IS xxxxxx. THAT IS ATLEAST 3 DAYS RECISSION THAT WAS PROVIDED TO THE BORR. - Seller-03/10/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/12/2026 | Months Reserves exceed minimum required - -35 months reserves and 0 required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.08<br>LTV is less than guideline maximum - Required is 80 Borrower has 55.56<br>Residual Income =/> 1.5 times $3,500 monthly residual income - -6.5+ time minimum. |  | NRTC xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861674 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 09:36 | 2026-03-12 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003 for B2 - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Credit reports for Both B1 and B2 are included in the credit package. Please review again. xxxxxx - Seller-03/11/2026 <br> Counter-Received 1003. Missing Credit report. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. see attached 1003s for both borrowers. xxxxxx and xxxxxx - Seller-02/27/2026 <br> Open-Missing loan application for B2 who is listed as a borrower on the note and full credit report provided. - Due Diligence Vendor-02/27/2026 | Ready for Review-Credit reports for Both B1 and B2 are included in the credit package. Please review again. xxxxxx - Seller-03/11/2026 <br> Ready for Review-Document Uploaded. see attached 1003s for both borrowers. xxxxxx and xxxxxx - Seller-02/27/2026 | Resolved-Received 1003 for B2 - Due Diligence Vendor-03/12/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 |  | xxxxxx 1003 Id xxxxxx.pdf<br> xxxxxx 1003 Id xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861675 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 12:47 | 2026-03-04 15:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. see attached note with signature page. - Seller-03/02/2026 <br> Open-There are Issues Present on the Note that must be addressed. Missing signature page of Note - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. see attached note with signature page. - Seller-03/02/2026<br>| Resolved-There are no issues present on the Note. - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 |  | xxxxxx Id xxxxxx.pdf<br> note Id xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861675 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 16:32 | 2026-03-04 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. see attached page 22 section 38 (highlighted) PUD rider is built in the mortgage - Seller-03/03/2026 <br> Open-PUD Rider is Missing. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see attached page 22 section 38 (highlighted) PUD rider is built in the mortgage - Seller-03/03/2026<br>| Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 |  | Id xxxxxx dot.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861676 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861677 | xxxxxx D A C | Closed | xxxxxx | 2026-03-01 12:47 | 2026-03-19 10:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-After further review, the 1003 lists 2-years of employment history. Only one year needs to be verified per guides. - Due Diligence Vendor-03/19/2026 <br> Counter-Received rebuttal for full doc. Subject is 12 month bank statement program. Original finding remains. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Please review guideline page 82; 8.4.29<br> History of Self-employment requires to be verified over a period that aligns with the type of income documents selected. For a 1 year full doc requires 1 year business existence or 24 months business bank statements will require two years etc... - Seller-03/17/2026 <br> Counter-A 2-year employment history on all loans regardless of the guides - Due Diligence Vendor-03/16/2026 <br> Ready for Review-We are only using a 1 year income so we do not need to confirm 2 years of self employment - Seller-03/16/2026 <br> Counter-1 year income has been met, however we are missing 24 months of employment verification. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. We are only using a 1-year income, so we do not need to confirm 2 years of self-employment - Seller-03/12/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Operating agreement and sec of state documentation show filing date of xxxxxx Application shows start date is xxxxxx. Provide proof of at least 2 years Self employment with the same business. - Due Diligence Vendor-03/01/2026 | Ready for Review-Please review guideline page 82; 8.4.29<br> History of Self-employment requires to be verified over a period that aligns with the type of income documents selected. For a 1 year full doc requires 1 year business existence or 24 months business bank statements will require two years etc... - Seller-03/17/2026 <br>Ready for Review-We are only using a 1 year income so we do not need to confirm 2 years of self employment - Seller-03/16/2026 <br>Ready for Review-Document Uploaded. We are only using a 1-year income, so we do not need to confirm 2 years of self-employment - Seller-03/12/2026<br>| Resolved-After further review, the 1003 lists 2-years of employment history. Only one year needs to be verified per guides. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 |  | Lock-xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861677 | xxxxxx D A C | Closed | xxxxxx | 2026-03-01 12:47 | 2026-03-19 10:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received confirmation the large deposit could not be sourced and it was removed from income. - Due Diligence Vendor-03/19/2026 <br> Counter-Received rebuttal regarding assets. Please address income Missing Large deposit of $10,082.18 on 9/22/25 to be sourced as it is being used for income. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-This finding was reviewed by the Management Team. this is a guideline. However, in this specific scenario, the borrower only needed to bring in 39k to close and we documented assets in bank accounts totaling $132k which is why we did not need to source the $10k deposit. - Seller-03/18/2026 <br> Open-Income and Employment Do Not Meet Guidelines Large deposit of $10,082.18 on 9/22/25 to be sourced as it is being used for income. - Due Diligence Vendor-03/01/2026 | Ready for Review-This finding was reviewed by the Management Team. this is a guideline. However, in this specific scenario, the borrower only needed to bring in 39k to close and we documented assets in bank accounts totaling $132k which is why we did not need to source the $10k deposit. - Seller-03/18/2026 | Resolved-Received confirmation the large deposit could not be sourced and it was removed from income. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861677 | xxxxxx D A C | Closed | xxxxxx | 2026-02-27 21:04 | 2026-03-12 15:33 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CU = 1.5 - Due Diligence Vendor-03/12/2026 <br> Ready for Review-xxxxxx SSR with a 1.5 grade is in the credit package. Please review. xxxxxx - Seller-03/11/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide additional valuation product. - Due Diligence Vendor-02/28/2026 | Ready for Review-xxxxxx SSR with a 1.5 grade is in the credit package. Please review. xxxxxx - Seller-03/11/2026<br>| Resolved-Received CU = 1.5 - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861677 | xxxxxx D A C | Closed | xxxxxx | 2026-03-01 12:47 | 2026-03-04 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received confirmation of date stamp for borrower voe. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached Secretary of State Filing and the VOE Time stamp upload the loan was funded on xxxxxx - Seller-03/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE - Due Diligence Vendor-03/01/2026 | Ready for Review-Document Uploaded. Please see attached Secretary of State Filing and the VOE Time stamp upload the loan was funded on xxxxxx - Seller-03/02/2026 | Resolved-Received confirmation of date stamp for borrower voe. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.16 |  | VOE Time Stamp.pdf<br> VOE - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861679 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 15:59 | 2026-04-30 15:58 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow P&L over 90 days old. Compensating factors not provided. - Due Diligence Vendor-03/02/2026 <br> Open-Income and Employment Do Not Meet Guidelines Lender Exception provided for 80% LTV on a R/T refi with P&L, P&L over 90 days old and exception for credit report over 90 days but less than 120 - Due Diligence Vendor-03/02/2026 |  | Waived-Client exception granted to allow P&L over 90 days old. Compensating factors not provided. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861679 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 17:03 | 2026-04-30 15:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow for 80% LTV on a R/T refi with P&L. Compensating factors not provided. - Due Diligence Vendor-03/02/2026 <br> Open-Audited LTV of 79.64% exceeds Guideline LTV of 75% Lender Exception provided for 80% LTV on a R/T refi with P&L, P&L over 90 days old and exception for credit report over 90 days but less than 120 - Due Diligence Vendor-03/02/2026 |  | Waived-Client exception granted to allow for 80% LTV on a R/T refi with P&L. Compensating factors not provided. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861679 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 15:12 | 2026-03-13 17:31 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Appraisal is Expired | Waived--Originator exception granted to allow for 1004D to recert value vs new appraisal as required by guidelines only. Waiver applied to non-material finding. - Due Diligence Vendor-03/13/2026 <br> Open-Primary Value Appraisal is Expired The appraisal report is dated xxxxxx and the subject loan closed xxxxxx, which is more than 120 days old at time of closing. The guidelines reflect: "If an appraisal is 120 days aged prior to closing, a new appraisal must be completed." The loan file is missing an updated appraisal report. - Due Diligence Vendor-03/02/2026 |  | Waived--Originator exception granted to allow for 1004D to recert value vs new appraisal as required by guidelines only. Waiver applied to non-material finding. - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  | Appraisal Update PDF.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861679 | xxxxxx D B A | Closed | xxxxxx | 2026-03-12 15:16 | 2026-03-12 15:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Originator exception granted to allow or credit report over 90 days but less than 120. Compensating factors not provided. - Due Diligence Vendor-03/12/2026 <br> Open-Credit Report is greater than 90 days from closing. Lender Exception provided for 80% LTV on a R/T refi with P&L, P&L over 90 days old and exception for credit report over 90 days but less than 120 - Due Diligence Vendor-03/12/2026 |  | Waived-Originator exception granted to allow or credit report over 90 days but less than 120. Compensating factors not provided. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 861683 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 10:03 | 2026-03-04 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. The rider is built into the Mortgage see page 19 Item 38 - Seller-03/03/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Condo Rider is missing. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. The rider is built into the Mortgage see page 19 Item 38 - Seller-03/03/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Long term residence - Borrower has been at current residence >5 years. |  | xxxxxx_001.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861683 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 10:52 | 2026-03-04 15:29 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-The Final SELLER CD/HUD is missing. Seller CD not present. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received Seller CD. - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Long term residence - Borrower has been at current residence >5 years. |  | Combine HUD1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861686 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861687 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 18:16 | 2026-03-06 13:31 | Resolved | 1 - Information C A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-Flip transactions - per guidelines - only apply to HPML Loans. This is investment-business purpose loan - which is NOT HPML. 2 Full Appraisals are not required - Due Diligence Vendor-03/06/2026 <br> Counter-3.8 of the guidelines state Two appraisals will be required. In addition it states it must comply with HPML which is n/a. Please provide the second full appraisal dated prior to closing. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-This is a Business Purpose Loan and is not a HPML loan The Flip guidelines do not apply to this loan - Seller-03/02/2026 <br> Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Flip Transaction. xxxxxx LLC purchased subject from an estate effective xxxxxx for xxxxxx; Contract dated xxxxxx for xxxxxx; which is a 40.909% increase. Based on the foregoing and applicable guidelines, missing second appraisal. - Due Diligence Vendor-02/27/2026 | Ready for Review-This is a Business Purpose Loan and is not a HPML loan The Flip guidelines do not apply to this loan - Seller-03/02/2026<br>| Resolved-Flip transactions - per guidelines - only apply to HPML Loans. This is investment-business purpose loan - which is NOT HPML. 2 Full Appraisals are not required - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - 69.71% LTV; max 70% LTV<br>Months Reserves exceed minimum required - Reserves: 165 Min 3 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861690 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 14:44 | 2026-03-09 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received DOT. Rider included in #38 of document. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached the rider is built in the DOT page 19 section 38 - Seller-03/05/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached the rider is built in the DOT page 19 section 38 - Seller-03/05/2026<br>| Resolved-Received DOT. Rider included in #38 of document. - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 70 Required is 85 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 Required is 660 Borrower has 740 |  | DOT xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861690 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 14:44 | 2026-03-09 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received DOT. Rider included in #38 of document. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached the rider is built in the DOT page 19 section 38 - Seller-03/05/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached the rider is built in the DOT page 19 section 38 - Seller-03/05/2026<br>| Resolved-Received DOT. Rider included in #38 of document. - Due Diligence Vendor-03/09/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 70 Required is 85 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 Required is 660 Borrower has 740 |  | DOT xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861694 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 14:15 | 2026-03-23 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 1.48 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s). Lender does not require reserves. - Due Diligence Vendor-03/23/2026 <br> Open-Audited Reserves of 1.48 month(s) are less than Guideline Required Reserves of 3 month(s) Provide additional assets to cover reserve requirement note on lock confirmation - Due Diligence Vendor-03/04/2026 |  | Resolved-Audited Reserves of 1.48 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s). Lender does not require reserves. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 Required is 700 Borrower has 737<br>LTV is less than guideline maximum - Required is 85 Borrower has 69.16 Required is 85 Borrower has 69.16<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.07 Required is 50 Borrower has 30.07 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861694 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 10:47 | 2026-03-03 10:47 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 Required is 700 Borrower has 737<br>LTV is less than guideline maximum - Required is 85 Borrower has 69.16 Required is 85 Borrower has 69.16<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.07 Required is 50 Borrower has 30.07 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861696 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 12:17 | 2026-03-16 08:22 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC that pricing change affected lender fees. finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-The decrease in fees is reflected. It is the 101.875. Please escalate this if you are not understanding. xxxxxx - Seller-03/13/2026 <br> Counter-We need a COC that reflects the decrease in the fees. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-The pricing change is directly related to the lender credit - Seller-03/12/2026 <br> Counter-COC does not reflect the lender credit decrease or a reason why. Finding Remains. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Attached, please find the COC CD reflecting the change in pricing/lender credit - Seller-03/10/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($19,490.63) does not exceed or equal the comparable sum of specific and non-specific lender credits ($31,185.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $31,185 to $19490.63 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $11,694.37, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/05/2026 | Ready for Review-The decrease in fees is reflected. It is the 101.875. Please escalate this if you are not understanding. xxxxxx - Seller-03/13/2026 <br>Ready for Review-The pricing change is directly related to the lender credit - Seller-03/12/2026 <br>Ready for Review-Document Uploaded. Attached, please find the COC CD reflecting the change in pricing/lender credit - Seller-03/10/2026<br>| Resolved-Received COC that pricing change affected lender fees. finding Resolved. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Closing_Disclosure_Documents_xxxxxx_69b069c2349e8.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861697 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861700 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-05 10:04 | 2026-03-17 14:55 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-All items haveen resolved. - Due Diligence Vendor-03/17/2026 <br> Counter-Received pre close vvoe. Pending compliance clearance. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2026 <br> Counter-Received Cert of employment. Still missing verification that the business is active and in good standing 10 days prior to closing. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. . Missing verification that the business is active and in good standing 10 days prior to closing. xxxxxx letter does not state the business is active. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2026<br>| Resolved-All items haveen resolved. - Due Diligence Vendor-03/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 761 Required is 600 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.49 Required is 50 Borrower has 10.49<br>LTV is less than guideline maximum - Required is 85 Borrower has 56.69 Required is 80 Borrower has 56.69 |  | VOE.pdf<br> 1347_001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861700 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-12 07:45 | 2026-03-17 07:57 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached refund and CD - Seller-03/16/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $38.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached refund and CD - Seller-03/16/2026<br>| Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 761 Required is 600 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.49 Required is 50 Borrower has 10.49<br>LTV is less than guideline maximum - Required is 85 Borrower has 56.69 Required is 80 Borrower has 56.69 |  | xxxxxx Rio.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861700 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-05 09:32 | 2026-03-12 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received registrar of contractors confirmation business is active - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/10/2026 <br> Counter-Received Cert of employment. Still missing verification that the business is active and in good standing 10 days prior to closing. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached VOE - Seller-03/06/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Missing verification that the business is active and in good standing 10 days prior to closing. xxxxxx letter does not state the business is active. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. See attached - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached VOE - Seller-03/06/2026<br>| Resolved-Received registrar of contractors confirmation business is active - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 761 Required is 600 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.49 Required is 50 Borrower has 10.49<br>LTV is less than guideline maximum - Required is 85 Borrower has 56.69 Required is 80 Borrower has 56.69 |  | VOE.pdf<br>1347_001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861700 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-05 08:27 | 2026-03-12 14:25 | 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-03/12/2026 <br> Ready for Review-Document Uploaded. Please see recorded copy - Seller-03/10/2026 <br> Counter-Received DOT with Legal listed as page 4 of 7 after pg 4 of 19? Please confirm Legal recorded with DOT. Previous upload did not include legal in middle of upload. Please confirm Legal recorded with DOT. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2026 <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-03/05/2026 | Ready for Review-Document Uploaded. Please see recorded copy - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 761 Required is 600 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.49 Required is 50 Borrower has 10.49<br>LTV is less than guideline maximum - Required is 85 Borrower has 56.69 Required is 80 Borrower has 56.69 |  | 1310_001.pdf<br>Deed of Trust-001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861700 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-04 11:44 | 2026-03-12 07:46 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/10/2026 <br> Counter-----Received copy of a PCCD with a date issue prior to closing. Please provide a copy pf PCCD date issued after closing. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-03/07/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD - Seller-03/07/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 761 Required is 600 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.49 Required is 50 Borrower has 10.49<br>LTV is less than guideline maximum - Required is 85 Borrower has 56.69 Required is 80 Borrower has 56.69 |  | PCCD.pdf<br>coc.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861700 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-04 11:44 | 2026-03-09 07:34 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-CD reviewed by borrower at closing - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached COC that was sent to the borrowers on xxxxxx. The waiting period is 3 days. The loan was not funded until xxxxxx - Seller-03/06/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached COC that was sent to the borrowers on xxxxxx. The waiting period is 3 days. The loan was not funded until xxxxxx - Seller-03/06/2026 | Resolved-CD reviewed by borrower at closing - Due Diligence Vendor-03/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 761 Required is 600 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.49 Required is 50 Borrower has 10.49<br>LTV is less than guideline maximum - Required is 85 Borrower has 56.69 Required is 80 Borrower has 56.69 |  | COC xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861706 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-04 15:39 | 2026-03-30 11:55 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-CPA letter provided confirming xxxxxx is a DBA of xxxxxx - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Seller-03/30/2026 <br> Counter-Received CPA letter confirming dba, ownership and percentage. Missing length of self-employment. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. See attached letter - Seller-03/26/2026 <br> Open-Income and Employment Do Not Meet Guidelines Bank statements provided are for borrower and business xxxxxx, CPA letter and business entity documents are for xxxxxx. Provide explanation - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/30/2026 <br>Ready for Review-Document Uploaded. See attached letter - Seller-03/26/2026<br>| Resolved-CPA letter provided confirming xxxxxx is a DBA of xxxxxx - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  | xxxxxx_20260325_161320.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-04 11:09 | 2026-03-11 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received CD confirming HELOC and xxxxxx Installment paid. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. The mortgage was removed from liabilities and proof it was paid if is on the final CD, no further documentation is required to evidence this debt should not be included in the DTI calculation. - Seller-03/10/2026 <br> Counter-Received 1003 and 1008 reflect other debt of 708- Audit reflect other debt of 1484. 1003 did not document any debt to be paid at closing. Documents to exclude any debt also not provided. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see the updated 1008 & 1003 for the DTI portion. - Seller-03/06/2026 <br> Open-Audited DTI of 50.76% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. The mortgage was removed from liabilities and proof it was paid if is on the final CD, no further documentation is required to evidence this debt should not be included in the DTI calculation. - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. Please see the updated 1008 & 1003 for the DTI portion. - Seller-03/06/2026<br>| Resolved-Received CD confirming HELOC and xxxxxx Installment paid. - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  | Uniform Residential Loan Application (URLA) - xxxxxx.pdf<br> NEW Underwriting and Transmittal Summary (1008) - xxxxxx.pdf<br> cd-xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-04 15:59 | 2026-03-11 13:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received CD confirming HELOC and xxxxxx Installment paid. - Due Diligence Vendor-03/11/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Bank statements provided are for borrower and business xxxxxx, CPA letter and business entity documents are for xxxxxx. Provide explanation - Due Diligence Vendor-03/04/2026 |  | Resolved-Received CD confirming HELOC and xxxxxx Installment paid. - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 11:28 | 2026-03-11 12:47 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx HCCHLA High Cost Home Loan DTI Presumption Test | Resolved-Upon further review, subject loan is not xxxxxx high-cost and finding has been resolved - Due Diligence Vendor-03/11/2026 <br> Counter-xxxxxx High Cost includes APR fees excluding bona fide 3rd party fees, such as appraisal, credit report, notary fees, escrow charges, etc. In this case the Title – Escrow Fee is synonymous with Title – Closing Fee as they are performing the loan closing and managing disbursement of funds for said closing. This fee is to be included in the xxxxxx High-Cost testing. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. The attached xxxxxx Loan Details Report (page 11) reflects that we are passing the xxxxxx high cost test. According to this, max points and fees are xxxxxx and the total for this loan is xxxxxx. xxxxxx is coming up with a total of xxxxxx. The difference is the Escrow fee of $610.00. Per xxxxxx, this fee is to be excluded from the calculation and I confirmed this as well with the xxxxxx Code of Laws Title 37 Chapter 23. Please see screen shots below and link below. - Seller-03/06/2026 <br> Open-This loan failed the high-cost home loan DTI presumption test due to one of the following findings:<br> (xxxxxx SB 438, §37-23-40(2))The debt-to-income (DTI) ratio of the borrower exceeds 50%; orThe DTI ratio of the borrower was not provided.The DTI ratio is one of several factors that should be considered when making any high cost home loan.PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the high cost home loan.The lender of a high-cost home loan may not make a high-cost home loan unless the lender reasonably believes at the time the loan is consummated that one or more of the obligors is able to make the scheduled payments to repay the obligation. An obligor is presumed to be able to make the scheduled payments to repay the obligation if, at the time the loan is consummated, the obligor's total monthly debts, including amounts owed pursuant to the loan, do not exceed 50% of the obligor's monthly gross income.See High Cost Home Loan Additional Documentation and Disclosure Requirements Legislative Summary Alert (below) for full repayment ability requirements. -----This loan failed the high-cost home loan DTI presumption test due to one of the following findings: (xxxxxx SB 438, §37-23-40(2))The debt-to-income (DTI) ratio of the borrower exceeds 50% at 50.77%. This finding is not curable. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. The attached xxxxxx Loan Details Report (page 11) reflects that we are passing the xxxxxx high cost test. According to this, max points and fees are xxxxxx and the total for this loan is xxxxxx. xxxxxx is coming up with a total of xxxxxx. The difference is the Escrow fee of xxxxxx. Per xxxxxx, this fee is to be excluded from the calculation and I confirmed this as well with the xxxxxx Code of Laws Title 37 Chapter 23. Please see screen shots below and link below. - Seller-03/06/2026 | Resolved-Upon further review, subject loan is not xxxxxx high-cost and finding has been resolved - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  | xxxxxx Loan Details Report.pdf<br> 1307_001.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-03 11:28 | 2026-03-11 12:47 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx HCCHLA High Cost Home Loan Points and Fees Threshold Test | Resolved-Upon further review, subject loan is not xxxxxx high-cost and finding has been resolved - Due Diligence Vendor-03/11/2026 <br> Counter-xxxxxx High Cost includes APR fees excluding bona fide 3rd party fees, such as appraisal, credit report, notary fees, escrow charges, etc. In this case the Title – Escrow Fee is synonymous with Title – Closing Fee as they are performing the loan closing and managing disbursement of funds for said closing. This fee is to be included in the xxxxxx High-Cost testing. Finding remains. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. The attached xxxxxx Loan Details Report (page 11) reflects that we are passing the xxxxxx high-cost test. According to this, max points and fees are xxxxxx and the total for this loan is xxxxxx. xxxxxx is coming up with a total of xxxxxx. The difference is the Escrow fee of $610.00. Per xxxxxx, this fee is to be excluded from the calculation, and I confirmed this as well with the xxxxxx Code of Laws Title 37 Chapter 23. Please see screen shots below and link below. - Seller-03/06/2026 <br> Open-This loan failed the high-cost home loan points and fees threshold test due to one or more of the following findings: (xxxxxx SB 438, §37-23-20(15)(B))The total points and fees of this loan, which are xxxxxx, exceed one of the following thresholds based on the total loan amount, which is xxxxxx:The loan is secured by real property and the total points and fees exceeds 5% of the total loan amount if the total loan amount is xxxxxx or more; orThe loan is a nonreal estate loan secured manufactured housing and the total points and fees exceeds 3% of the total loan amount if the total loan amount is xxxxxx or more; orThe total points and fees exceed the lesser of 8% of the total loan amount or xxxxxx if the total loan amount is less than xxxxxx. -----(xxxxxx SB 438, §37-23-20(15)(B))The total points and fees of this loan, which are xxxxxx, exceed the following threshold based on the total loan amount, which is xxxxxx:The loan is secured by real property and the total points and fees exceeds 5% of the total loan amount if the total loan amount is xxxxxx or more. Tolerance violation is $598.29. Findng is not curable. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. The attached xxxxxx Loan Details Report (page 11) reflects that we are passing the xxxxxx high-cost test. According to this, max points and fees are xxxxxx and the total for this loan is xxxxxx. xxxxxx is coming up with a total of xxxxxx. The difference is the Escrow fee of $610.00. Per xxxxxx, this fee is to be excluded from the calculation, and I confirmed this as well with the xxxxxx Code of Laws Title 37 Chapter 23. Please see screen shots below and link below. - Seller-03/06/2026 | Resolved-Upon further review, subject loan is not xxxxxx high-cost and finding has been resolved - Due Diligence Vendor-03/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  | xxxxxx Loan Details Report.pdf<br> 1307_001.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-04 09:32 | 2026-03-09 13:08 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. See attached Appraisal and Final Inspection - Seller-03/05/2026 <br> Open-Appraisal is Missing . Additionally, findings may apply upon receipt. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. See attached Appraisal and Final Inspection - Seller-03/05/2026<br>| Resolved-Received Appraisal - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  | Appraisal - xxxxxx.pdf<br> Final Inspection.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 13:04 | 2026-03-09 13:08 | Resolved | 1 - Information C A | Property | Appraisal | Primary Value Valuation Date is after the Note Date | Resolved-Primary Value Valuation Date of xxxxxx is prior to or equal to the Note Date of xxxxxx - Due Diligence Vendor-03/09/2026 <br> Open-Primary Value Valuation Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-03/09/2026 |  | Resolved-Primary Value Valuation Date of xxxxxx is prior to or equal to the Note Date of xxxxxx - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 13:04 | 2026-03-09 13:08 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/09/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-03/09/2026 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861708 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 13:04 | 2026-03-09 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Upon further review no additional documentation is required. - Due Diligence Vendor-03/09/2026 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence Vendor-03/09/2026 |  | Resolved-Upon further review no additional documentation is required. - Due Diligence Vendor-03/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 80 Borrower has 51.28 Required is 80 Borrower has 51.28<br>Months Reserves exceed minimum required - 59.41 months reserves; 0 months reserves required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861711 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 19:59 | 2026-04-01 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client has provided Property Detail for taxes, HOI and Note. Per xxxxxx search there is no HOA dues - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please see Property Profile for Taxes and HOI Policy - Seller-03/30/2026 <br> Counter-Received new Note. Please address original finding. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. See attached Note - Seller-03/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Credit report reflects a payment of $7,827 for the primary residence with the mortgage opening on xxxxxx and opening balance of xxxxxx. No Mortgage statement obtained. DLA was xxxxxx. xxxxxx document in the loan file reflects that mortgage is now inactive and a new mortgage was opened xxxxxx with a loan amount of xxxxxx. Please provide evidence the 12/25 payment was paid as agreed and provide documentation for the new loan of xxxxxx (Payment breakdown) - payment amount and if TIA is included in payment. If not provide verification of TIA amounts. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see Property Profile for Taxes and HOI Policy - Seller-03/30/2026 <br>Ready for Review-Document Uploaded. See attached Note - Seller-03/24/2026<br>| Resolved-Client has provided Property Detail for taxes, HOI and Note. Per xxxxxx search there is no HOA dues - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.2 |  | note.pdf<br> xxxxxx - Property profile - Reo.pdf<br> hoi.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861711 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 09:57 | 2026-03-11 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received CD. Payoffs confirmed. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. I have uploaded the Final Closing Statement which shows the address. Please clarify if this is not the document you are requesting. - Seller-03/10/2026 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. I have uploaded the Final Closing Statement which shows the address. Please clarify if this is not the document you are requesting. - Seller-03/10/2026<br>| Resolved-Received CD. Payoffs confirmed. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.2 |  | Final Closing Statment xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861714 | xxxxxx C B A | Closed | xxxxxx | 2026-03-02 12:33 | 2026-03-18 09:03 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. See attached Check and CD - Seller-03/17/2026 <br> Counter-Documentation sent in on 03/16/2026 is not for this loan. Finding Remains. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached refund and CD - Seller-03/16/2026 <br> Counter-Updated finding, no COC for increase in credit report. Zero (0%) tolerance fees increased by $8.32 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $8.32, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [COC in file for Mortgage Broker Fee, please provide receipt date for revised cd dated xxxxxx] - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/10/2026 <br> Counter-Received copy of COC that was in file. Need proof of borrower's receipt of the xxxxxx CD. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. See attached COC - Seller-03/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $11,193.95.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 $11,193.95 (Mortgage Broker Fee and Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $11,193.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [COC in file for Mortgage Broker Fee, please provide receipt date for revised cd dated xxxxxx] <br>- Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. See attached Check and CD - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. Please see attached refund and CD - Seller-03/16/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. See attached COC - Seller-03/06/2026<br>| Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 687 Required is 640 Borrower has 687<br>LTV is less than guideline maximum - Required is 85 Borrower has 77.85 Required is 85 Borrower has 77.85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.28 Required is 50 Borrower has 8.28 |  | COC.pdf<br> xxxxxx-COC - Consented.pdf<br> xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861714 | xxxxxx C B A | Closed | xxxxxx | 2026-03-02 12:39 | 2026-03-12 08:07 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received borrower acknowledgement of CD. Finding Resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/10/2026 <br> Counter-Received copy of COC that was in file. Need proof of borrower's receipt of the xxxxxx CD. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. See attached COC - Seller-03/06/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. See attached - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. See attached COC - Seller-03/06/2026<br>| Resolved-Received borrower acknowledgement of CD. Finding Resolved. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 687 Required is 640 Borrower has 687<br>LTV is less than guideline maximum - Required is 85 Borrower has 77.85 Required is 85 Borrower has 77.85<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.28 Required is 50 Borrower has 8.28 |  | COC.pdf<br> xxxxxx-COC - Consented.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861716 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 10:51 | 2026-03-12 14:22 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, the loan file contained all required UDM documentation - Due Diligence Vendor-03/12/2026 <br> Ready for Review-see attached clear fraud report then look at the UDM on page 30. borrower 1 has no new credit inquiries. monitor start date is xxxxxx, end date is xxxxxx. - Seller-03/10/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/06/2026 | Ready for Review-see attached clear fraud report then look at the UDM on page 30. borrower 1 has no new credit inquiries. monitor start date is xxxxxx, end date is xxxxxx. - Seller-03/10/2026 | Resolved-Upon further review, the loan file contained all required UDM documentation - Due Diligence Vendor-03/12/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.93 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861717 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 09:25 | 2026-03-06 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received documentation to support consumer debt was paid prior to close. Audited DTI of 49.68% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. This account was paid – Please see the attached statement and payment for the same amount. - Seller-03/05/2026 <br> Open-Audited DTI of 50.61% exceeds Guideline DTI of 50% Guidelines state, for revolving credit, the minimum required payment as stated on the credit report or current account statement should be used to calculate the<br> debt-to-income ratio. The lender excluded the $279 xxxxxx Card payment as reflected on the credit report and credit card bill in file when calculating the DTI.. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. This account was paid – Please see the attached statement and payment for the same amount. - Seller-03/05/2026<br>| Resolved-Received documentation to support consumer debt was paid prior to close. Audited DTI of 49.68% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/06/2026 | Months Reserves exceed minimum required - 34.46 mths reserves; 3 mths required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+15k) |  | xxxxxx CC Bill.pdf<br> xxxxxx Zero Bal - Paid.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861722 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 15:11 | 2026-04-10 09:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Title confirmed the property was free and clear and the HOA confirmed the taxes and income were included. - Due Diligence Vendor-04/10/2026 <br> Counter-Pending REO finding. - Due Diligence Vendor-04/07/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. No documentation for HOI on departing res (Co-op) - Due Diligence Vendor-03/27/2026 |  | Resolved-Title confirmed the property was free and clear and the HOA confirmed the taxes and income were included. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.62<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861722 | xxxxxx D B A | Closed | xxxxxx | 2026-03-27 02:03 | 2026-04-10 09:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Title confirmed the property was free and clear and the HOA confirmed the taxes and income were included. - Due Diligence Vendor-04/10/2026 <br> Counter-Received Occupancy Agreement and HOA Assessment report. Occupancy agreement does not confirm reconveyance of an outstanding mortgage. Also prior findings requested H06 and Tax Bill also not included. Finding remains. - Due Diligence Vendor-04/07/2026 <br> Counter-Client provided response to say xxxxxx Unit xxxxxx is owned xxxxxx. Please provide proof of this as well as provide tax bill and HOA coupon or certificate. - Due Diligence Vendor-04/03/2026 <br> Open-Missing HO6 insurance for departing residence. Please provide as it is required to be included in the DTI ratio. - Due Diligence Vendor-03/27/2026 |  | Resolved-Title confirmed the property was free and clear and the HOA confirmed the taxes and income were included. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.62<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  | xxxxxx Non-subject monthly assessment 2026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861722 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 15:24 | 2026-03-27 02:05 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Originator exception in file; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-03/27/2026 <br> Open-Third xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-03/26/2026 |  | Waived-Originator exception in file; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-03/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.62<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861733 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 17:34 | 2026-03-12 12:13 | Resolved | 1 - Information C A | Credit | Assets | Asset 9 Less Than 2 Months Verified | Resolved-Received 2 months Bank Statements. - Due Diligence Vendor-03/12/2026 <br> Open-Asset 9 Less Than 2 Months Verified Provide additional bank statement for xxxxxx xxxxxx. Guidelines require assets to be seasoned for 60 days. - Due Diligence Vendor-03/09/2026 |  | Resolved-Received 2 months Bank Statements. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861733 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 10:31 | 2026-03-06 12:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861733 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 10:31 | 2026-03-06 10:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/06/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861737 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 861742 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861758 | xxxxxx D B A | Closed | xxxxxx | 2026-04-03 13:11 | 2026-04-08 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter confirming ownership and years active. - Due Diligence Vendor-04/08/2026 <br>Open-Borrower 1 CPA Letter Missing Missing CPA Ltr (conf own %, etc) - Due Diligence Vendor-04/03/2026 |  | Resolved-Received CPA letter confirming ownership and years active. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.83 Required is 50 Borrower has 31.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861758 | xxxxxx D B A | Closed | xxxxxx | 2026-04-02 12:54 | 2026-04-02 13:43 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client/Originator) waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client/Originator) waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.83 Required is 50 Borrower has 31.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861762 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861763 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 12:18 | 2026-04-23 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received Lender Response. Confirmed CPA letter within 30 days of funding. - Due Diligence Vendor-04/23/2026 <br>Open-Missing VVOE dated within 10 days consummation. - Due Diligence Vendor-04/20/2026 |  | Resolved-Received Lender Response. Confirmed CPA letter within 30 days of funding. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.6 Required is 50 Borrower has 44.6<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 Required is 680 Borrower has 788 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861766 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 18:12 | 2026-03-30 16:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI. - Due Diligence Vendor-03/30/2026 <br> Counter-Received Binder "Temporary Insurance Contract". Please provide actual policy for confirmation of final HOI terms and policy number. - Due Diligence Vendor-03/25/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date is xxxxxx - Due Diligence Vendor-03/20/2026 |  | Resolved-Received correct HOI. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861766 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 18:45 | 2026-03-30 16:46 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/26/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861766 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 14:10 | 2026-03-18 14:10 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Originator waiver applied to non-material finding. - Due Diligence Vendor-03/18/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Originator waiver applied to non-material finding. - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.92<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 861774 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861801 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 14:10 | 2026-03-31 12:06 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CU with score of 1.6 - Due Diligence Vendor-03/31/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received CU with score of 1.6 - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 Required is 50 Borrower has 42.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.36 Required is 70 Borrower has 56.36 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861801 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 08:28 | 2026-03-25 10:28 | 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-03/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 Required is 50 Borrower has 42.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 Required is 680 Borrower has 801<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.36 Required is 70 Borrower has 56.36 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861802 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 18:05 | 2026-04-09 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Upon further review, All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/09/2026 <br> Ready for Review- please refer to "Third Party Detail - Derogatory Lists" on the fraud report. There were no discoveries on xxxxxx nor xxxxxx. - Buyer-04/07/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Alert- xxxxxx builder and selling agent xxxxxx. - Due Diligence Vendor-03/31/2026 |  | Resolved-Upon further review, All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.53 Required is 50 Borrower has 17.53 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-05 06:26 | 2026-04-06 14:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received validation of business phone number. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx Search. - Seller-04/03/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing business number search, business phone number must be verifiable via xxxxxx, xxxxxx or internet. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/03/2026 | Resolved-Received validation of business phone number. - Due Diligence Vendor-04/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.35 Required is 49.99 Borrower has 20.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | xxxxxx - Yahoo Search Results.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-05 12:24 | 2026-04-06 14:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. Provided. Final TP. - Seller-04/03/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Provided. Final TP. - Seller-04/03/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.35 Required is 49.99 Borrower has 20.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | Full Lender Policy (4) 26-1005 xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-05 00:41 | 2026-04-06 11:27 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received COC for Lock on xxxxxx. Finding Resolved. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Uploaded. See LLE COC xxxxxx. - Seller-04/03/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. Please provide a Le or Cd within 3 days of the rate lock. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Uploaded. See LLE COC xxxxxx. - Seller-04/03/2026 | Resolved-Received COC for Lock on xxxxxx. Finding Resolved. - Due Diligence Vendor-04/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.35 Required is 49.99 Borrower has 20.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | LLE COC xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 12:07 | 2026-03-04 12:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 20.35 Required is 49.99 Borrower has 20.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 861808 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861809 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 19:29 | 2026-04-02 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Per the lender, property xxxxxx was just purchased and the tax figure being used is 1.25% of the most recent sales price or xxxxxx per month. There is no HOA for this property. - Due Diligence Vendor-04/02/2026 <br> Open-Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. Documentation in file does not reflect total used to qualify on final 1003. <br> - Due Diligence Vendor-03/30/2026 |  | Resolved-Per the lender, property xxxxxx was just purchased and the tax figure being used is 1.25% of the most recent sales price or xxxxxx per month. There is no HOA for this property. - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.88 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861809 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 19:31 | 2026-04-02 09:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per the lender, property xxxxxx was just purchased and the tax figure being used is 1.25% of the most recent sales price or xxxxxx per month. There is no HOA for this property. - Due Diligence Vendor-04/02/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. - Due Diligence Vendor-03/30/2026 |  | Resolved-Per the lender, property xxxxxx was just purchased and the tax figure being used is 1.25% of the most recent sales price or xxxxxx per month. There is no HOA for this property. - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.88 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861823 | xxxxxx D A | Closed | xxxxxx | 2026-03-10 07:49 | 2026-04-02 08:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Evidence provided of no affiliates. Finding resolved. - Due Diligence Vendor-04/02/2026 <br>Counter-SPL is still not marked if the providers are affiliates or not. Please provide an Affiliated Business disclosure or a SPL that shows if the providers used are affiliates or not. - Due Diligence Vendor-03/30/2026 <br>Counter-Received SPL showing providers chosen, SPL does not show affiliates for title fees in section B. Provide affidavit stating no affiliates. Finding remains.<br> - Due Diligence Vendor-03/24/2026 <br>Counter-Please provide affiliated business disclosure affidavit showing no affiliates. Finding remains. - Due Diligence Vendor-03/19/2026 <br>Counter-All title fees are located in Section B, which requires us to verify if they are an affiliate or not. The SPL in file does not list any providers and the Affiliate Business disclosure is blank. - Due Diligence Vendor-03/16/2026 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-03/10/2026 |  | Resolved-Evidence provided of no affiliates. Finding resolved. - Due Diligence Vendor-04/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.72 Required is 50 Borrower has 17.72<br>LTV is less than guideline maximum - Required is 80 Borrower has 48 Required is 80 Borrower has 48 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861823 | xxxxxx D A | Closed | xxxxxx | 2026-03-10 08:27 | 2026-03-19 09:35 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received HC List disclosure with date of xxxxxx. Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Counter-Homeowner's Counseling list in file is not dated within 3 days of application xxxxxx. The one in file is dated xxxxxx. Finding Remains. - Due Diligence Vendor-03/16/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on Birthday of xxxxxx. xxxxxx As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----- Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received HC List disclosure with date of xxxxxx. Finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.72 Required is 50 Borrower has 17.72<br>LTV is less than guideline maximum - Required is 80 Borrower has 48 Required is 80 Borrower has 48 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861824 | xxxxxx C B A | Closed | xxxxxx | 2026-03-17 08:18 | 2026-03-26 09:11 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received ITP, Finding resolved. - Due Diligence Vendor-03/26/2026 <br>Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received ITP, Finding resolved. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861824 | xxxxxx C B A | Closed | xxxxxx | 2026-03-17 05:40 | 2026-03-17 09:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/17/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861824 | xxxxxx C B A | Closed | xxxxxx | 2026-03-17 05:40 | 2026-03-17 08:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/17/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861827 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 15:57 | 2026-03-31 12:02 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received HOA Closing statement confirming $2743.64 payment. - Due Diligence Vendor-03/31/2026 <br> Counter-Received duplicate CD. CD indicate $2743.64 was paid to xxxxxx. Title document 587.38+744.06+2346.35 (lmn on title) to xxxxxx IAO $3644.79. Finding remains. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Seller CD. CD did not reflect the payment of liens L, M, N noted on Schedule B. Finding remains. - Due Diligence Vendor-03/18/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-03/13/2026 |  | Resolved-Received HOA Closing statement confirming $2743.64 payment. - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.3 Required is 50 Borrower has 37.3 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861827 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 15:30 | 2026-03-19 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-03/19/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 AND b2 Gap Credit Report is Missing - Due Diligence Vendor-03/13/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.3 Required is 50 Borrower has 37.3 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861968 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 14:58 | 2026-04-03 12:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-There is no guideline to support 6-months proof of payments. The file contains a credit supplement for both liens, 1 for 52 months one for 12 months. - Due Diligence Vendor-04/03/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 6-month payment proof for first and second mortgages. As the borrower is on Title only of the primary residence and mortgage obligation is under a third party (xxxxxx)- a 12-month mortgage rating and 6-month payment proof are required. Credit supplement provided reflecting a 12-month history for both first and second mortgages. - Due Diligence Vendor-03/16/2026 |  | Resolved-There is no guideline to support 6-months proof of payments. The file contains a credit supplement for both liens, 1 for 52 months one for 12 months. - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.44 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861968 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 08:16 | 2026-03-30 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-03/30/2026 <br> Counter-Received xxxxxx letter confirming over 2 years self-employment. Please provide validation of xxxxxx license. - Due Diligence Vendor-03/24/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter verifying the borrower's self-employment for a minimum of 2 years - Due Diligence Vendor-03/18/2026 |  | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.44 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861968 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 14:39 | 2026-03-24 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received amended appraisal and SSRs reflecting property as PUD. - Due Diligence Vendor-03/24/2026 <br> Open-Subject section of Appraisal (page 1 of report) to be updated reflecting Subject is part of a PUD with annual dues of $150. PUD rider is recorded with Security Deed and letter from xxxxxx confirms annual dues. - Due Diligence Vendor-03/16/2026 |  | Resolved-Received amended appraisal and SSRs reflecting property as PUD. - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.44 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861968 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 10:26 | 2026-03-16 10:56 | 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-03/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.44 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861972 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861975 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861976 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 14:16 | 2026-03-23 10:42 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CU and LCA supporting appraised value. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Client note Please refer to the PKG I provided, pages 62100. Both the appraisal report and the UCDP show the value as xxxxxx. Please review and assist with clear the condition.- AUDIT response- CU and LCA in file reflect a value input of xxxxxx. Finding remains. - Due Diligence Vendor-03/18/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The loan file contains a CU and LCA which were ran using the initial appraised value of xxxxxx. Please provde updated valuations using the adjusted value of xxxxxx. Additional findings may apply. - Due Diligence Vendor-03/12/2026 |  | Resolved-Received CU and LCA supporting appraised value. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.58 Required is 50 Borrower has 43.58<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.79 Required is 75 Borrower has 69.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737 Required is 660 Borrower has 737 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861976 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 11:23 | 2026-03-12 11:23 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.58 Required is 50 Borrower has 43.58<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.79 Required is 75 Borrower has 69.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737 Required is 660 Borrower has 737 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 861976 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 10:05 | 2026-03-12 10:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.58 Required is 50 Borrower has 43.58<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.79 Required is 75 Borrower has 69.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737 Required is 660 Borrower has 737 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861978 | xxxxxx B A | Closed | xxxxxx | 2026-03-12 08:56 | 2026-03-12 08:56 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 756 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861980 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 13:51 | 2026-03-19 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received corrected COC. Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $16,537.50.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 $16,537.50 (Loan Origination 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 $16,537.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [COC in file for increase is not sufficient, does not include specific reason why this fee was changed from Lender paid on Initial LE to Borrower Paid on LE xxxxxx. Unable to re-baseline fee]<br> - Due Diligence Vendor-03/12/2026 |  | Resolved-Received corrected COC. Finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.11 Required is 50 Borrower has 30.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 Required is 660 Borrower has 751 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861981 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 10:30 | 2026-03-23 08:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received Loan Detail report for fees. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $595,381.82. The disclosed finance charge of $595,316.82 is not considered accurate for purposes of rescission because it is understated by more than $35. ----- Finance charge is understated by $65 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $65 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-03/12/2026 |  | Resolved-Received Loan Detail report for fees. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 16+ Years – Minimum = 2 Years<br>Credit history exceeds minimum required - FICO SCORE OF 718 EXCEED REQUIRED OF 660<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 26 Months Required = 12 months<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $6,833.16; minimum required NONE |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861981 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 10:05 | 2026-03-12 10:05 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/12/2026 | Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 16+ Years – Minimum = 2 Years<br>Credit history exceeds minimum required - FICO SCORE OF 718 EXCEED REQUIRED OF 660<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 26 Months Required = 12 months<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $6,833.16; minimum required NONE |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 861982 | xxxxxx C A | Closed | xxxxxx | 2026-03-25 09:41 | 2026-03-30 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. - Due Diligence Vendor-03/30/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/25/2026 |  | Resolved-Received additional assets. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861982 | xxxxxx C A | Closed | xxxxxx | 2026-03-25 09:25 | 2026-03-30 16:55 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional assets. - Due Diligence Vendor-03/30/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-28181.17'. Assets are Insufficient. Additional assets list on 1003 that were not provided. - Due Diligence Vendor-03/25/2026 |  | Resolved-Received additional assets. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861983 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-26 10:35 | 2026-04-01 11:39 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/01/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/01/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861983 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-25 09:47 | 2026-04-01 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/26/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861983 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 13:00 | 2026-03-30 13:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to less than 1 month short.<br> - Due Diligence Vendor-03/30/2026 <br> Open-Audited Reserves of 3.16 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/30/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to less than 1 month short.<br> - Due Diligence Vendor-03/30/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861988 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861990 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861991 | xxxxxx D B A | Closed | xxxxxx | 2026-04-07 10:44 | 2026-04-17 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-The lawsuit does not relate to the building's safety, structural or functionality. - Due Diligence Vendor-04/17/2026 <br> Counter-Received note asking for clarification on condo litigation. Review did not receive complete litigation documentation. 2) There is another case xxxxxx V. xxxxxx for indemnification, contribution and declaratory relief. No court documents were not provided. We need a statement that it does not exceed the 25% of the HOA Reserves. - Due Diligence Vendor-04/15/2026 <br> Open-The condo project has pending litigation. xxxxxx is handling the defense on the claim which is 170 owners past due totaling $152,456.32 see pdf 382. The lawsuit is, Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance. There are no court documents provided for this other than an email. 2) There is another case pdf 329- xxxxxx V. xxxxxx for indemnification, contribution and declaratory relief. No court documents were not provided. <br> Per guidelines Projects involved in litigation are acceptable provided the lawsuit(s) are not structural in nature which impact the subject unit and do not affect the marketability of the project units <br> and potential damages do not exceed 25% of HOA reserves or documentation from the insurance carrier or attorney representing the insurance carrier that the insurance carrier has agreed to conduct defense and the HOA insurance policy is sufficient to cover the litigation expense. We need a statement that it does not exceed the 25% of the HOA Reserves.<br> - Due Diligence Vendor-04/07/2026 |  | Resolved-The lawsuit does not relate to the building's safety, structural or functionality. - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - LTV 65% max 80% Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI 31.09 max 50% Required is 50 Borrower has 32.25<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 808 min score 680. Required is 680 Borrower has 808 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861991 | xxxxxx D B A | Closed | xxxxxx | 2026-04-07 10:47 | 2026-04-17 11:11 | Waived | 2 - Non-Material D B | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Waived-Client exception granted to allow HOA Cert question #27 does not reflect an inspection date; the xxxxxx does not have any xxxxxx. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/17/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Lender exception- HOA Cert question #27 does not reflect an inspection date, the cert does not indicate any deferred maintenance or substantial damage. there is litigation however the insurance carrier is handling the defense. Lender Approval is absent the loan file. - Due Diligence Vendor-04/07/2026 |  | Waived-Client exception granted to allow HOA Cert question #27 does not reflect an inspection date; the xxxxxx does not have any xxxxxx components. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - LTV 65% max 80% Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI 31.09 max 50% Required is 50 Borrower has 32.25<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 808 min score 680. Required is 680 Borrower has 808 | Credit Score 10 points > minimum required<br> Reserves exceed requirement by 2 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861991 | xxxxxx D B A | Closed | xxxxxx | 2026-04-07 10:11 | 2026-04-15 10:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-04/15/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing access letter 100% for acct ending xx6329 xxxxxx share by another person xxxxxx. - Due Diligence Vendor-04/07/2026 |  | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - LTV 65% max 80% Required is 80 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI 31.09 max 50% Required is 50 Borrower has 32.25<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 808 min score 680. Required is 680 Borrower has 808 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862009 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862018 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 14:38 | 2026-04-03 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The lender's guides require a condo warranty, which was provided. - Due Diligence Vendor-04/03/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Quest - Due Diligence Vendor-03/25/2026 |  | Resolved-The lender's guides require a condo warranty, which was provided. - Due Diligence Vendor-04/03/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862024 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:37 | 2026-03-30 11:02 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The source of the large deposit has been provided. - Due Diligence Vendor-03/30/2026 <br> Counter-Received PCCD. Original finding not addressed. - Due Diligence Vendor-03/24/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Need to source $100000.00 deposit made 02/24/26 into xxxxxx account #xxxxxx per guidelines - Due Diligence Vendor-03/20/2026 |  | Resolved-The source of the large deposit has been provided. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.15 Required is 50 Borrower has 42.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726 Required is 680 Borrower has 726 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862024 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:45 | 2026-03-24 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-03/24/2026 <br> Open-Audited Reserves of 3.7 month(s) are less than Guideline Required Reserves of 4 month(s) Provide additional assets to cover reserve requirement - Due Diligence Vendor-03/20/2026 |  | Resolved-Received PCCD confirming sufficient reserves. - Due Diligence Vendor-03/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.15 Required is 50 Borrower has 42.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726 Required is 680 Borrower has 726 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862027 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 14:24 | 2026-03-30 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-03/30/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Provide executed 4506C for Borrower 1. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-03/30/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 54.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862027 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 14:24 | 2026-03-30 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-03/30/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing Provide executed 4506C for Borrower 2. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-03/30/2026 | CLTV is less than guidelines maximum - Required is 85 Borrower has 54.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862049 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 10:35 | 2026-03-26 12:39 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-03/26/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide sourcing of large deposit in the amount of $30,000 on 3/4/26. - Due Diligence Vendor-03/23/2026 |  | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.49 Required is 50 Borrower has 38.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 Required is 700 Borrower has 761 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862050 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862058 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 08:10 | 2026-03-27 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received sufficient housing history documentation. - Due Diligence Vendor-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements REO's xxxxxx and xxxxxx mortgage statements not provided. Provide a 12 month satisfactory housing history. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received sufficient housing history documentation. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807<br>LTV is less than guideline maximum - Required is 70 Borrower has 62.94 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862058 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 07:58 | 2026-03-24 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-03/24/2026 <br> Open-Borrower 1 CPA Letter Missing CPA license lookup not provided. Additional conditions may apply - Due Diligence Vendor-03/17/2026 |  | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 807<br>LTV is less than guideline maximum - Required is 70 Borrower has 62.94 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862059 | xxxxxx D B A | Closed | xxxxxx | 2026-03-19 16:22 | 2026-04-17 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Document Uploaded. Received confirmation from the lender that there are no HOA dues on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-04/17/2026 <br> Counter-Received Note for xxxxxx as well as CD and escrows are collected. Missing documentation for HOA dues on xxxxxx, xxxxxx and xxxxxx. If no HOA provide LOX - Due Diligence Vendor-04/07/2026 <br> Counter-Received partial note from originator. Please provide complete notes and uploads. - Due Diligence Vendor-04/01/2026 <br> Counter-For clarification please provide HOA dues for xxxxxx; xxxxxx. Provide confirmation xxxxxx is escrowed included (CD, Statement or first payment letter would be sufficient as new acquisition) - Due Diligence Vendor-03/26/2026 <br> Open--Missing Final CD from xxxxxx purchase of Property xxxxxx to verify if payment is escrowed. If not, missing verification of taxes and insurance<br> - Missing verification of any HOA dues on Properties xxxxxx, xxxxxx, and xxxxxx<br> - Due Diligence Vendor-03/19/2026 |  | Resolved-Document Uploaded. Received confirmation from the lender that there are no HOA dues on xxxxxx. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - 25.37 mos reserves; 0 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.86 |  | xxxxxx_Post Closer Cert.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862059 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 13:16 | 2026-03-17 13:46 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/17/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - 25.37 mos reserves; 0 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.86 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862060 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862061 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 18:23 | 2026-04-01 13:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, restrictions do not apply. Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/01/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Subject loan closed with LTV of 80%, loan file is missing exception as the borrower is a FTHB living rent free with spouse. Max LTV allowed is 75%. - Due Diligence Vendor-03/26/2026 |  | Resolved-Upon further review, restrictions do not apply. Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862061 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 13:11 | 2026-04-01 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/01/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Fraud Report Shows Uncleared Alerts - Insurance Co. Additional conditions may apply, pending review. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862062 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 10:02 | 2026-04-09 11:32 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 mos chain of title. - Due Diligence Vendor-04/09/2026 <br> Counter-Received Warranty when properties were acquired xxxxxx. Missing 24 month chain of title. - Due Diligence Vendor-04/06/2026 <br> Open-Unsatisfactory Chain of Title provided. Provide 24 month chain of title. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received 24 mos chain of title. - Due Diligence Vendor-04/09/2026 | Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Borrower has 19.39 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862063 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 11:07 | 2026-04-01 12:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Mortgage statement for SBA loan provided. - Due Diligence Vendor-04/01/2026 <br> Counter-xxxxxx property is the xxxxxx property. - Due Diligence Vendor-03/27/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Statement for SBA mortgage on REO property xxxxxx not found to document payment. - Due Diligence Vendor-03/23/2026 |  | Resolved-Mortgage statement for SBA loan provided. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.65 Required is 50 Borrower has 13.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 788 Required is 720 Borrower has 788 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862063 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 10:55 | 2026-04-01 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement for SBA loan provided. - Due Diligence Vendor-04/01/2026 <br> Counter-xxxxxx property is the xxxxxx property. - Due Diligence Vendor-03/27/2026 <br> Open-Statement for SBA mortgage on REO property xxxxxx not found to document payment. - Due Diligence Vendor-03/23/2026 |  | Resolved-Mortgage statement for SBA loan provided. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 13.65 Required is 50 Borrower has 13.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 788 Required is 720 Borrower has 788 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862066 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 09:05 | 2026-03-30 17:00 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert. - Due Diligence Vendor-03/30/2026 <br> Open-Flood Certification Date is greater than xxxxxx Flood Cert is dated xxxxxx and no prior FLOOD cert. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received flood cert. - Due Diligence Vendor-03/30/2026 | Months Reserves exceed minimum required - 26.73 months reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 Required is 660 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI 42.83% is lower than allowable 50% Required is 50 Borrower has 43.83 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862067 | xxxxxx D B A | Closed | xxxxxx | 2026-03-24 17:24 | 2026-04-13 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary and final title policy. - Due Diligence Vendor-04/13/2026 <br> Counter-Received Title however it missing the policy coverage, please provide - Due Diligence Vendor-04/10/2026 <br> Counter-For clarification: please provide preliminary title report considered in underwriting. Review received final policy only. - Due Diligence Vendor-04/08/2026 <br> Counter-Received partial Title. Missing Schedule BII, Sched C and D. Also missing insured amount. Finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Title Document is missing - Due Diligence Vendor-03/24/2026 |  | Resolved-Received preliminary and final title policy. - Due Diligence Vendor-04/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862067 | xxxxxx D B A | Closed | xxxxxx | 2026-03-25 10:45 | 2026-03-27 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement. - Due Diligence Vendor-03/27/2026 <br> Open-Provide 12 month housing history for REO. - Due Diligence Vendor-03/25/2026 |  | Resolved-Received credit supplement. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862067 | xxxxxx D B A | Closed | xxxxxx | 2026-03-24 14:18 | 2026-03-24 14:18 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862068 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 15:12 | 2026-03-30 16:52 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert. - Due Diligence Vendor-03/30/2026 <br> Open-Flood Certification Date is greater than xxxxxx Note date - Due Diligence Vendor-03/25/2026 |  | Resolved-Received flood cert. - Due Diligence Vendor-03/30/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2x the amount required by guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862068 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 17:41 | 2026-03-30 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review Audited Reserves of 35.72 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-03/30/2026 <br> Open-Audited Reserves of 6.88 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-03/25/2026 |  | Resolved-Upon further review Audited Reserves of 35.72 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-03/30/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2x the amount required by guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862068 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 11:23 | 2026-03-30 08:01 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-03/25/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2x the amount required by guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862068 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 17:27 | 2026-03-25 17:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Exception to use lease agreement + ledger in lieu of VOR - Due Diligence Vendor-03/25/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/25/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income more than 2x the amount required by guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 | Credit Score 20 points > minimum required<br> Residual income more than 2x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862077 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 11:08 | 2026-04-09 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received correct appraisal reporting reflecting xxxxxx units on page 1 - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please review the revised appraisal report - Seller-04/07/2026 <br> Open-Property Issues are identified for the property. The Appraisal reflects subject has xxxxxx units (when actually subject has xxxxxx units) Provide a revised Appraisal with the correct number of units for the subject property. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please review the revised appraisal report - Seller-04/07/2026<br>| Resolved-Received correct appraisal reporting reflecting xxxxxx units on page 1 - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.16 |  | xxxxxx_Small Income Property (xxxxxx Units) _ 1025_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862078 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 23:17 | 2026-03-20 17:31 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-xxxxxx search provided. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx - Seller-03/19/2026 <br> Open-Missing business number search, business phone number must be verifiable via xxxxxx Search, xxxxxx or internet. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see xxxxxx - Seller-03/19/2026 | Resolved-xxxxxx search provided. - Due Diligence Vendor-03/20/2026 | Months Reserves exceed minimum required - Borrower has 138 months of P&I reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  | Screenshot 2026-03-19 104610.png | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862078 | xxxxxx C B A | Closed | xxxxxx | 2026-03-17 14:13 | 2026-03-17 14:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/17/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - Borrower has 138 months of P&I reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862083 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 08:49 | 2026-03-26 10:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-Missing verification of business phone number via xxxxxx, xxxxxx or internet. Additional conditions may apply, pending review. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-Received Internet Search. - Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 768 |  | Print snip.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862085 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 10:24 | 2026-04-01 12:28 | 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. Exception to not obtain the Note. VOM provided. - Due Diligence Vendor-04/01/2026 <br> Counter-Per initial finding, please provide Note for REO xxxxxx - Due Diligence Vendor-04/01/2026 <br> Counter-Received VOM. Missing a a copy of the Note for REO xxxxxx. If Note shows balloon follow 5.9.2. Additional findings may apply. ~ - Due Diligence Vendor-03/31/2026 <br> Counter-Please provide the Terms of the loan for review. - Due Diligence Vendor-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Does not meet requirements for private lien on REO xxxxxx. Exception in file is for use of VOM only for payment history. Missing actual and a copy of the Note for REO xxxxxx. If Note shows balloon follow 5.9.2. Additional findings may apply. <br> ~~3.24 - xxxxxx - Did not clear condition as per exception the VOM is in the file. Condition added for it not being in the file. - Due Diligence Vendor-03/23/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to not obtain the Note. VOM provided. - Due Diligence Vendor-04/01/2026 | Long term residence - Per 1003 borrower has been residing at the subject for over 20 years. <br>LTV is less than guideline maximum - Required is 70 Borrower has 28 Required is 70 Borrower has 28<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.46 Required is 50 Borrower has 43.46 | - LTV 10% or more below max<br> - Long term residence at primary<br> - FICO 10 points or more above min |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862085 | xxxxxx D B A | Closed | xxxxxx | 2026-03-24 09:58 | 2026-03-27 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received VOM - Due Diligence Vendor-03/27/2026 <br> Open-Missing VOM for xxxxxx - per exception using VOM only. not located on the file. - Due Diligence Vendor-03/24/2026 |  | Resolved-Received VOM - Due Diligence Vendor-03/27/2026 | Long term residence - Per 1003 borrower has been residing at the subject for over 20 years. <br>LTV is less than guideline maximum - Required is 70 Borrower has 28 Required is 70 Borrower has 28<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.46 Required is 50 Borrower has 43.46 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862091 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-17 13:44 | 2026-04-02 16:14 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/02/2026 <br> Open-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. - Due Diligence Vendor-04/02/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862091 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-19 12:41 | 2026-03-30 16:51 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal received confirming the xxxxxx is the neighbors. - Due Diligence Vendor-03/30/2026 <br> Counter-Received Appraisal addendum indicating unit not available for analysis and appraiser is not qualified to confirm structural integrity. Finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Property Issues are identified for the property Lender to confirm whether the xxxxxx shown on the rear of the subject property is xxxxxx. Audit unable to tell from the picture. If made of xxxxxx a structural inspection may be required. - Due Diligence Vendor-03/19/2026 |  | Resolved-Revised appraisal received confirming the xxxxxx is the neighbors. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862091 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-18 10:39 | 2026-03-26 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received master policy confirming xxxxxx in coverage. - Due Diligence Vendor-03/26/2026 <br> Open-Missing Condo Master Insurance Policy Missing Condo Master Policy which: 1. must include xxxxxx in and betterments and improvements coverage as there is no insurance premium accounted for on the lender's final 1003 or escrowed and 2. meet guideline project requirements. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received master policy confirming xxxxxx in coverage. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862093 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 12:46 | 2026-04-15 10:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/15/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/07/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.61 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862104 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 23:52 | 2026-04-28 15:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-xxxxxx statement provided showing account paid in full. - Due Diligence Vendor-03/31/2026 <br> Counter-Provide documentation the xxxxxx has been PIF - Due Diligence Vendor-03/30/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI Issues Missing evidence of payment in full Revolving Debt xxxxxx. - Due Diligence Vendor-03/26/2026 |  | Resolved-xxxxxx statement provided showing account paid in full. - Due Diligence Vendor-03/31/2026 | Credit history exceeds minimum required - Qualifying FICO score 693; guidelines require 680.<br>LTV is less than guideline maximum - Required is 85 Borrower has 78.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862104 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 15:40 | 2026-03-31 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-xxxxxx statement provided showing account paid in full. - Due Diligence Vendor-03/31/2026 <br> Counter-Client provided xxxxxx Stmt dated 2/28 which shows a transfer in for the amount of $124.50 however it does not reflect account paid in full. Initial finding remains - Due Diligence Vendor-03/30/2026 <br> Open-Audited DTI of 50.21% exceeds Guideline DTI of 50% Originator DTI 49.996%/ Audit 50.21%. Difference is due to the xxxxxx Balance in the amount of $124.00 and 19.00 monthly. This debt was not included on the Final CD payoffs. - Due Diligence Vendor-03/25/2026 |  | Resolved-xxxxxx statement provided showing account paid in full. - Due Diligence Vendor-03/31/2026 | Credit history exceeds minimum required - Qualifying FICO score 693; guidelines require 680.<br>LTV is less than guideline maximum - Required is 85 Borrower has 78.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862104 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 15:32 | 2026-03-24 15:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 | Credit history exceeds minimum required - Qualifying FICO score 693; guidelines require 680.<br>LTV is less than guideline maximum - Required is 85 Borrower has 78.9 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862107 | xxxxxx B A | Closed | xxxxxx | 2026-03-26 15:22 | 2026-04-29 12:47 | 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-03/26/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862123 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862128 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 13:25 | 2026-03-25 09:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ----- Addressed by xxxxxx - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 9.75 mths reserves; 3 mths required.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862128 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 13:25 | 2026-03-25 09:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ----- Addressed by xxxxxx - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 9.75 mths reserves; 3 mths required.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862128 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 13:25 | 2026-03-25 09:20 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Interest Only Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/25/2026 <br>Open-This loan failed the qualified mortgage interest only test. (12 CFR 1026.43(e)(2)(i)(B))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.This loan is an interest only loan or a graduated payment mortgage. ----- Non QM - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 9.75 mths reserves; 3 mths required.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862128 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 13:25 | 2026-03-25 09:18 | Resolved | 1 - Information A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no additional documentation is required due to rounding. Finding Resolved. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5,095.18.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). ----- Variance is .18 - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required due to rounding. Finding Resolved. - Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 9.75 mths reserves; 3 mths required.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862128 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 22:36 | 2026-03-25 09:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-Received corrected signature date. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received corrected signature date. Finding resolved. - Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 9.75 mths reserves; 3 mths required.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862128 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 12:57 | 2026-03-25 09:09 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Open-Missing e-Consent. ----- Missing e-Consent. - Due Diligence Vendor-03/19/2026 |  | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 9.75 mths reserves; 3 mths required.<br>LTV is less than guideline maximum - Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862161 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 17:18 | 2026-04-20 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/16/2026 <br> Counter-Received bank statements 2/2025 to 2/26 reflecting rent of $1,450 paid. Review is unable to locate VOR or lease agreement to confirm terms. - Due Diligence Vendor-04/13/2026 <br> Counter-Received 12 months of snip its for proof of rental payments however most of the snip it's do not reflect account holder name (Sept/Oct does). Please provide statements with the account holders name - Due Diligence Vendor-04/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 month satisfactory rental history for primary residence. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received lease. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.16 |  | xxxxxx lease agreement. Landlord and amoount matches.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862161 | xxxxxx C B A | Closed | xxxxxx | 2026-03-29 23:15 | 2026-04-07 10:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Open-Missing e-Consent. -----Please provide Borrower's acknowledgement of e-consent - Due Diligence Vendor-03/30/2026 |  | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.16 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862161 | xxxxxx C B A | Closed | xxxxxx | 2026-03-29 23:15 | 2026-03-29 23:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.16 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862170 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862171 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862180 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 10:45 | 2026-04-01 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 12.42 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s). Bank statement provided. - Due Diligence Vendor-04/01/2026 <br> Open-Audited Reserves of 5.53 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/24/2026 |  | Resolved-Audited Reserves of 12.42 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s). Bank statement provided. - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 4+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862180 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 10:45 | 2026-04-01 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.23% is less than or equal to Guideline DTI of 50%. CD provided for xxxxxx confirming 2nd lien was paid off - Due Diligence Vendor-04/01/2026 <br> Open-Audited DTI of 56.31% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/24/2026 |  | Resolved-Audited DTI of 46.23% is less than or equal to Guideline DTI of 50%. CD provided for xxxxxx confirming 2nd lien was paid off - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 4+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862180 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 10:41 | 2026-04-01 10:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-CD provided for xxxxxx confirming 2nd lien was paid off - Due Diligence Vendor-04/01/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - DTI 56.31%; Missing new mtg loan docs - Due Diligence Vendor-03/24/2026 |  | Resolved-CD provided for xxxxxx confirming 2nd lien was paid off - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 4+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862180 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 10:53 | 2026-04-01 10:35 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-CD provided for xxxxxx confirming 2nd lien was paid off - Due Diligence Vendor-04/01/2026 <br> Open-Missing verification that liability w/xxxxxx was paid off with refinance of property xxxxxx<br> - Due Diligence Vendor-03/24/2026 |  | Resolved-CD provided for xxxxxx confirming 2nd lien was paid off - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 4+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862180 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 10:52 | 2026-04-01 10:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided Note for xxxxxx - Due Diligence Vendor-03/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of terms of new loan taken out on Property xxxxxx with loan # ending in 10293. Additional findings may apply<br> - Due Diligence Vendor-03/24/2026 |  | Resolved-Client provided Note for xxxxxx - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 4+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862180 | xxxxxx C B A | Closed | xxxxxx | 2026-03-20 13:35 | 2026-03-26 11:39 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/20/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 4+ Years – Minimum = 2 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862185 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 14:24 | 2026-04-15 17:31 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review in file is full year statement 2025 with 2 months of 2026 - Due Diligence Vendor-04/15/2026 <br> Open-Income and Employment Do Not Meet Guidelines Asset utilization requires 6 months statements, missing full 6 months statements for xxxxxx acct xxxxxx and xxxxxx. - Due Diligence Vendor-04/09/2026 |  | Resolved-Upon further review in file is full year statement 2025 with 2 months of 2026 - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 Required is 660 Borrower has 788 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862202 | xxxxxx B A | Closed | xxxxxx | 2026-05-04 15:48 | 2026-05-04 15:49 | Waived | 2 - Non-Material B | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Waived--BPO provided supporting value within -10% of appraised value. Waiver applied to non-material finding as BPO provided is second secondary valuation product obtained to support value. - Due Diligence Vendor-05/04/2026 |  | Waived--BPO provided supporting value within -10% of appraised value. Waiver applied to non-material finding as BPO provided is second secondary valuation product obtained to support value. - Due Diligence Vendor-05/04/2026 | Credit history exceeds minimum required - Credit History = 232 Months Minimum Credit History = 24 Months<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $11,754.51; minimum required NONE |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 862209 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862213 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 16:06 | 2026-04-20 11:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rent free explanation letter. - Due Diligence Vendor-04/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing housing history for current primary. Additional findings may apply. - Due Diligence Vendor-04/15/2026 |  | Resolved-Received rent free explanation letter. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.81 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862213 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 16:00 | 2026-04-20 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free explanation letter. - Due Diligence Vendor-04/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide housing history for current primary residence; per 1003 borr is rent free, no letter found from owner of the property. Additional findings may apply. - Due Diligence Vendor-04/15/2026 |  | Resolved-Received rent free explanation letter. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.81 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862226 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 11:40 | 2026-03-27 09:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Points and Fees Threshold Test | Resolved-Upon further review, loan is not high-cost and nothing further is needed or required. - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the points and fees threshold test due to one of the following findings:<br> (xxxxxx AB 11856 §1, 6-L (1)(g)(ii))The total points and fees (as defined in xxxxxx AB 11856) exceed five percent of the total loan amount (as defined in xxxxxx AB 11856) if the total loan amount is xxxxxx or more.The total points and fees exceed six percent of the total loan amount if the total loan amount is xxxxxx or more and the loan is a purchase money loan guaranteed by the xxxxxx.The total points and fees exceed the greater of six percent of the total loan amount or xxxxxx, if the total loan amount is less than xxxxxx. -----Tolerance violation exceeds allowable by $214.32, and due to Federal or Section 32 High-Cost, the overage is not curable - Due Diligence Vendor-03/17/2026 |  | Resolved-Upon further review, loan is not high-cost and nothing further is needed or required. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862226 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 13:31 | 2026-03-27 09:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Provided eSign. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-Missing e-Consent. -----Missing e-consent - Due Diligence Vendor-03/17/2026 |  | Resolved-Provided eSign. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862226 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 12:48 | 2026-03-20 07:51 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime, finding resolved. - Due Diligence Vendor-03/20/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.224% is within allowable threshold of excess of allowable threshold of APOR of 6.02% + 1.75% or 7.77%. - Due Diligence Vendor-03/17/2026 |  | Resolved-Compliant xxxxxx Subprime, finding resolved. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862245 | xxxxxx C A | Closed | xxxxxx | 2026-03-25 11:47 | 2026-04-06 12:29 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Lender provided PCCD, tax lien paid at close. - Due Diligence Vendor-04/06/2026 <br> Counter-Received CD reflecting Tax lien however it is not executed. Please provide fully executed CD - Due Diligence Vendor-04/01/2026 <br> Counter-Received client response Please see the attached Tax Lien Payoff document for xxxxxx. xxxxxx!. Audit- Received Tax lien with note of phone confirmation of new amount of xxxxxx good through xxxxxx. Noted amount also not reflected on CD. - Due Diligence Vendor-03/30/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Lien on title for xxxxxx does not show being paid off on CD - Due Diligence Vendor-03/25/2026 |  | Resolved-Lender provided PCCD, tax lien paid at close. - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.67 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862246 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862247 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862248 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 09:50 | 2026-04-10 10:45 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received CPM confirming not ineligible. - Due Diligence Vendor-04/10/2026 <br> Counter-Received CPM with data cut off and appear to be dated 2024. Please provide updated CPM with all information visible. - Due Diligence Vendor-04/06/2026 <br> Counter-File contains confirmation no litigation, 1008 reflects CPM ID xxxxxx. Review is unable to locate CPM approval. Please provide copy of CPM ID xxxxxx. - Due Diligence Vendor-04/02/2026 <br> Counter-Received updated Questionnaire reflecting no litigations. Missing from initial finding the Condo Project Management review - Due Diligence Vendor-04/01/2026 <br> Counter-Received Client response : The HOA Questionnaire is already included in the package on pages 151153. Please waive the condition. Audit response: HOA Questionnaire Document is only Partially Provided. 1)Condo questionnaire does not reflect if subject has been in pending litigation. 2) missing Condo project management review. Finding remains. - Due Diligence Vendor-03/30/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. 1)Condo questionnaire does not reflect if subject has been in pending litigation. 2) missing Condo project management review. - Due Diligence Vendor-03/25/2026 |  | Resolved-Received CPM confirming not ineligible. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - dti 35.25 max 50%. Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776 min score 680. Required is 680 Borrower has 776<br>LTV is less than guideline maximum - LTV 56.57% max 80% Required is 80 Borrower has 56.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862248 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 14:37 | 2026-04-01 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-4506 not required per the lender's guides. This is a P & L loan. - Due Diligence Vendor-04/01/2026 <br> Counter-Received Client response not required. Guideline silent. Audit defaulted to xxxxxx that require 4506. Finding remains. - Due Diligence Vendor-03/30/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-T/4506-C is absent the loan file, regarding of lender guides. Additional conditions may apply, pending review. - Due Diligence Vendor-03/25/2026 |  | Resolved-4506 not required per the lender's guides. This is a P & L loan. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - dti 35.25 max 50%. Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776 min score 680. Required is 680 Borrower has 776<br>LTV is less than guideline maximum - LTV 56.57% max 80% Required is 80 Borrower has 56.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862248 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 16:21 | 2026-04-01 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-After further review, the seller CD is in the loan file. - Due Diligence Vendor-04/01/2026 <br> Counter-Please provide fully executed Seller CD - Due Diligence Vendor-04/01/2026 <br> Open-The Final SELLER CD/HUD is missing. The executed Final Sellers Cd is absent the loan file. - Due Diligence Vendor-03/25/2026 |  | Resolved-After further review, the seller CD is in the loan file. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - dti 35.25 max 50%. Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776 min score 680. Required is 680 Borrower has 776<br>LTV is less than guideline maximum - LTV 56.57% max 80% Required is 80 Borrower has 56.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862248 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 10:18 | 2026-03-30 12:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/30/2026 <br> Open-Fraud Report Shows Uncleared Alerts Alerts found- xxxxxx, xxxxxx Loan processor, xxxxxx, xxxxxx loan opener. - Due Diligence Vendor-03/25/2026 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - dti 35.25 max 50%. Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776 min score 680. Required is 680 Borrower has 776<br>LTV is less than guideline maximum - LTV 56.57% max 80% Required is 80 Borrower has 56.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862248 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 10:15 | 2026-03-30 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/30/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-03/25/2026 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - dti 35.25 max 50%. Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776 min score 680. Required is 680 Borrower has 776<br>LTV is less than guideline maximum - LTV 56.57% max 80% Required is 80 Borrower has 56.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862248 | xxxxxx D A C | Closed | xxxxxx | 2026-03-24 17:14 | 2026-03-30 08:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-03/24/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - dti 35.25 max 50%. Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776 min score 680. Required is 680 Borrower has 776<br>LTV is less than guideline maximum - LTV 56.57% max 80% Required is 80 Borrower has 56.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862252 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 08:05 | 2026-03-30 14:21 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-After further review, this guideline only applies to full reviews and the HOA project was approved as a limited review. - Due Diligence Vendor-03/30/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing confirmation Project does not give a unit owner or any other party priority over the rights of the first mortgagee. Required per 9.9, regardless of project review type. - Due Diligence Vendor-03/23/2026 |  | Resolved-After further review, this guideline only applies to full reviews and the HOA project was approved as a limited review. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.2 Required is 50 Borrower has 44.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862252 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 08:10 | 2026-03-30 14:20 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Fidelity coverage is not required on projects with xxxxxx units or less. - Due Diligence Vendor-03/30/2026 <br> Open-Fidelity Coverage not met. Per 9.9 required, regardless of project review type. Auditor was unable to determine due to range of dues owed per unit. At time of initial review Auditor took average of subject, Comp 1, and Comp 2 which equals $283.33 for xxxxxx-units over 3-months. This resulted in a figure of xxxxxx where current Crime coverage is xxxxxx and not sufficient. Missing confirmation of total monthly dues for all xxxxxx units to ensure policy has no less than 3-months of assessments covered. Additional findings may apply. - Due Diligence Vendor-03/23/2026 |  | Resolved-Fidelity coverage is not required on projects with xxxxxx units or less. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.2 Required is 50 Borrower has 44.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862252 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 21:21 | 2026-03-27 09:17 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,102.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,103.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/20/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.2 Required is 50 Borrower has 44.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862252 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 14:38 | 2026-03-27 09:16 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 3 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds 8 percent of the total loan amount of xxxxxx. - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.2 Required is 50 Borrower has 44.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862252 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 14:38 | 2026-03-27 09:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the QM points and fees test. (xxxxxx Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.2 Required is 50 Borrower has 44.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862252 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 14:38 | 2026-03-27 09:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-This loan failed the QM points and fees test. (xxxxxx Announcement 2013-06)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation is required. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.2 Required is 50 Borrower has 44.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862253 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862262 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862263 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 13:10 | 2026-05-01 09:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-<br> Confirmation from the insurance company confirming the both personal and dwelling are both covered with a max loss listed as coverage C. - Due Diligence Vendor-04/07/2026 <br> Counter-Pending HOI. - Due Diligence Vendor-04/06/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Master policy is missing premium. Per documents in file there is no HOA and master policy is paid by the xxxxxx unit holders. - Due Diligence Vendor-03/26/2026 |  | Resolved-<br> Confirmation from the insurance company confirming the both personal and dwelling are both covered with a max loss listed as coverage C. - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 36.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862263 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 12:19 | 2026-04-07 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-<br> Confirmation from the insurance company confirming the both personal and dwelling are both covered with a max loss listed as coverage C. - Due Diligence Vendor-04/07/2026 <br> Counter-Document Uploaded. Confirmation from the insurance company confirming the both personal and dwelling are both covered with a max loss listed as coverage C. - Due Diligence Vendor-04/07/2026 <br> Counter-Lender provided Insurance agent explanation of coverage which references Declaration Page, file only included Evidence of Insurance for H06 policy xxxxxx. Please provide Declaration page including the split of Dwelling coverage and Personal Property coverage for policy xxxxxx. - Due Diligence Vendor-04/02/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Master does not evidence walls-in coverage. The HO6 policy lists the amount of insurance as "Dwelling and Personal Property" combined. - Due Diligence Vendor-03/26/2026 |  | Resolved-<br> Confirmation from the insurance company confirming the both personal and dwelling are both covered with a max loss listed as coverage C. - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 36.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  | 25-26 EPI - Master- property- premium.pdf<br> 25-26 Cert - Master- Liability- premium.pdf<br> HO6 NEW POLICY xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862263 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 13:07 | 2026-04-07 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master policy confirming wind/hail included with no different provisions. - Due Diligence Vendor-04/07/2026 <br> Counter-Received Master. Guideline 9.10 indicate follow xxxxxx requirement. Need clarification on coverage. Wind/Hail/Storm marked yes and no with no coverage limits. - Due Diligence Vendor-04/06/2026 <br> Counter-Evidence of Insurance for Condo Policy xxxxxx does not reflect the premium amount. - Due Diligence Vendor-04/02/2026 <br> Open-Condo Master Insurance Policy Partially Provided Master policy is missing premium. Per documents in file there is no HOA and master policy is paid by the xxxxxx unit holders. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received Master policy confirming wind/hail included with no different provisions. - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 36.3<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862264 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 11:41 | 2026-04-15 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/15/2026 <br> Counter-Received Fraud Report. Missing confirmation high alerts cleared. Missing Title and closing agent reflecting in loan participant search. - Due Diligence Vendor-04/10/2026 <br> Open-Third Party Fraud Report Partially Provided Missing Fraud report. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 796 min score 700 Required is 700 Borrower has 796<br>Qualifying DTI below maximum allowed - DTI 36.59 max 50%. Required is 50 Borrower has 37.44 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862266 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 10:48 | 2026-04-10 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/10/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($5,146.88) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,490.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $5,490 to $5,146.88 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $343.12 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/08/2026 |  | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862266 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 12:42 | 2026-04-10 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, LOE was located in the loan file. - Due Diligence Vendor-04/10/2026 <br> Open-LOX for credit inquiries is missing. Missing for 12/3/25 inquiries - Due Diligence Vendor-04/08/2026 |  | Resolved-Upon further review, LOE was located in the loan file. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862267 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 12:37 | 2026-03-31 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report. - Due Diligence Vendor-03/31/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Title company not reflected on list - Due Diligence Vendor-03/27/2026 |  | Resolved-Received updated fraud report. - Due Diligence Vendor-03/31/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.39<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862268 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 07:40 | 2026-04-16 11:30 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received enrolled agent letter confirming 100% owner of business. - Due Diligence Vendor-04/16/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements To utalize business funds the business ownership percentage is required - no business ownership percentages listed on CPA letter or on any documentas in file. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received enrolled agent letter confirming 100% owner of business. - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.87 Required is 50 Borrower has 37.87 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862268 | xxxxxx D A | Closed | xxxxxx | 2026-04-07 09:46 | 2026-04-16 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received enrolled agent letter confirming 100% owner - Due Diligence Vendor-04/16/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter is missing ownership percentage - Due Diligence Vendor-04/07/2026 |  | Resolved-Received enrolled agent letter confirming 100% owner - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.87 Required is 50 Borrower has 37.87 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862268 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 06:18 | 2026-04-14 12:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date. - Due Diligence Vendor-04/14/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-04/07/2026 |  | Resolved-Received PCCD confirming disbursement date. - Due Diligence Vendor-04/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 Required is 660 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.87 Required is 50 Borrower has 37.87 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862269 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 18:44 | 2026-04-01 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided UW Cert, required parties in initial finding were added to report - Due Diligence Vendor-04/01/2026 <br> Counter-Received Fraud report. Missing documentation used to clear high alerts. - Due Diligence Vendor-03/27/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Exclusionary list on the fraud report reflects insufficient information for the hazard insurance company, builder and borrower AKA. - Due Diligence Vendor-03/23/2026 |  | Resolved-Client provided UW Cert, required parties in initial finding were added to report - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - <br>On time mortgage history exceeds guideline requirement - |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862269 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 09:40 | 2026-03-30 14:30 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Flood cert received, dated prior to close. - Due Diligence Vendor-03/30/2026 <br> Counter-Received Flood Cert for another loan. - Due Diligence Vendor-03/27/2026 <br> Open-Flood Certification Date is greater than xxxxxx The flood cert is dated xxxxxx, transaction date is xxxxxx. - Due Diligence Vendor-03/23/2026 |  | Resolved-Flood cert received, dated prior to close. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - <br>On time mortgage history exceeds guideline requirement - |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862270 | xxxxxx D A C | Closed | xxxxxx | 2026-04-03 12:33 | 2026-04-17 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received perm resident alien card. - Due Diligence Vendor-04/17/2026 <br> Open-Borrower Citizenship Documentation Is Missing Stated to be a Permanent Resident. Missing documentation. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received perm resident alien card. - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.56 Required is 50 Borrower has 44.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 Required is 660 Borrower has 738 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862270 | xxxxxx D A C | Closed | xxxxxx | 2026-04-07 09:16 | 2026-04-10 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received both HOI policies. - Due Diligence Vendor-04/10/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per dec page in the file the premium of $369 - Per first payment letter and HUD lender collected $2148.87 in premium - Due Diligence Vendor-04/07/2026 |  | Resolved-Received both HOI policies. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.56 Required is 50 Borrower has 44.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 Required is 660 Borrower has 738 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862270 | xxxxxx D A C | Closed | xxxxxx | 2026-04-03 13:05 | 2026-04-09 09:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received copy of settlement statement showing funding date as xxxxxx. Finding Resolved. - Due Diligence Vendor-04/09/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -------Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received copy of settlement statement showing funding date as xxxxxx. Finding Resolved. - Due Diligence Vendor-04/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.56 Required is 50 Borrower has 44.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 Required is 660 Borrower has 738 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862272 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862273 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862275 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 11:03 | 2026-04-07 11:32 | 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-04/07/2026 <br> Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-03/31/2026 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 Required is 660 Borrower has 793<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.07 Required is 50 Borrower has 38.07 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862275 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 10:30 | 2026-04-07 10:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Due to re-testing, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $801,065.40. The disclosed finance charge of $800,732.90 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/07/2026 |  | Resolved-Due to re-testing, finding resolved. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 Required is 660 Borrower has 793<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.07 Required is 50 Borrower has 38.07 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862275 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 10:30 | 2026-04-07 10:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Due to re-testing, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $1,373,514.65. The disclosed total of payments of $1,373,107.15 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-04/07/2026 |  | Resolved-Due to re-testing, finding resolved. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 Required is 660 Borrower has 793<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.07 Required is 50 Borrower has 38.07 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862275 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 11:40 | 2026-04-07 10:57 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC, finding resolved. - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($15,037.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,162.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -------Lender credit decreased from $15,162.50 to $15,037.50 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $125.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/30/2026 |  | Resolved-Received COC, finding resolved. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 Required is 660 Borrower has 793<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.07 Required is 50 Borrower has 38.07 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862276 | xxxxxx C B A | Closed | xxxxxx | 2026-03-20 12:56 | 2026-03-27 09:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/27/2026 <br> Open-Missing e-Consent. Missing proof borrower consented to receiving electronic documents - Due Diligence Vendor-03/20/2026 |  | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862276 | xxxxxx C B A | Closed | xxxxxx | 2026-03-20 12:56 | 2026-03-20 12:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862282 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862292 | xxxxxx C B A | Closed | xxxxxx | 2026-03-24 21:43 | 2026-03-31 11:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client exception granted for tape differ from prepay addendum and CD, waiver applied with compactors - Due Diligence Vendor-03/31/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '12'. Tape differs from prepay addendum and the CD - Due Diligence Vendor-03/25/2026 |  | Waived-Client exception granted for tape differ from prepay addendum and CD, waiver applied with compactors - Due Diligence Vendor-03/31/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862297 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 12:10 | 2026-04-13 16:03 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-All gift documentation and EMD verification is in the loan file. - Due Diligence Vendor-04/13/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Finding states: Requirements Missing sufficient gift funds and EMD documentation- see required documents below: <br> (a) Gift Funds Requirement: Acceptable evidence ONE of the following<br> - Copy of donor's check and borrower's deposit slip<br> - Copy of donor's withdrawal slip and borrower's deposit slip<br> - Copy of donor's check to the closing agent<br> - Closing Disclosure/HUD-1 showing receipt of donor funds<br> (b) EMD Requires: Copy of the cancelled check, OR Evidence of wire/ACH (bank confirmation), AND Borrower's bank statement showing the withdrawal - Due Diligence Vendor-04/08/2026 |  | Resolved-All gift documentation and EMD verification is in the loan file. - Due Diligence Vendor-04/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 789<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.74 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862334 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 19:15 | 2026-04-06 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, this lender does not require a condos questionnaire. They provide a Condo warranty - Due Diligence Vendor-04/06/2026 <br> Counter-Client provided Condo/PUD Warranty. Still missing HOA Questionnaire - Due Diligence Vendor-04/03/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The loan file is missing a questionnaire. Unable to determine if the condo is warrantable. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-03/30/2026 |  | Resolved-After further review, this lender does not require a condos questionnaire. They provide a Condo warranty - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.01 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862334 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 20:11 | 2026-04-03 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-PCCD was in file, reserves of 4 months has been met - Due Diligence Vendor-04/03/2026 <br> Open-Audited Reserves of 2.25 month(s) are less than Guideline Required Reserves of 4 month(s) The loan closed with a LTV ratio of 78.594% which would require 4 months of verified reserves. The borrower is short the required reserves after closing. Additional conditions may apply, pending review. - Due Diligence Vendor-03/31/2026 |  | Resolved-PCCD was in file, reserves of 4 months has been met - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.01 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862334 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 09:43 | 2026-04-03 08:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE's, CD's and PCCD. Finding Resolved. - Due Diligence Vendor-04/03/2026 <br> Open------ Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/30/2026 |  | Resolved-Received LE's, CD's and PCCD. Finding Resolved. - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.01 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862337 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862338 | xxxxxx D A | Closed | xxxxxx | 2026-03-27 16:22 | 2026-04-02 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Credit Refresh - Due Diligence Vendor-04/02/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Missing Gap Credit Report. - Due Diligence Vendor-03/27/2026 |  | Resolved-Received Credit Refresh - Due Diligence Vendor-04/02/2026 | Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 29.25%. Required is 50 Borrower has 29.25<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 54.79%. Required is 75 Borrower has 54.79<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 779. Required is 720 Borrower has 779 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862338 | xxxxxx D A | Closed | xxxxxx | 2026-03-27 16:22 | 2026-04-02 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Credit Refresh - Due Diligence Vendor-04/02/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Provide Missing Gap Credit Report . - Due Diligence Vendor-03/27/2026 |  | Resolved-Received Credit Refresh - Due Diligence Vendor-04/02/2026 | Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 29.25%. Required is 50 Borrower has 29.25<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 54.79%. Required is 75 Borrower has 54.79<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 779. Required is 720 Borrower has 779 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862339 | xxxxxx D A | Closed | xxxxxx | 2026-04-08 10:01 | 2026-04-15 11:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Credit report and refresh for B2 - Due Diligence Vendor-04/15/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing B2 credit report and gap report - Due Diligence Vendor-04/08/2026 |  | Resolved-Received Credit report and refresh for B2 - Due Diligence Vendor-04/15/2026 | Months Reserves exceed minimum required - 5.52 mos reserves; 3 mos required<br>Verified employment history exceeds guidelines - B1 11 years self-employed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862339 | xxxxxx D A | Closed | xxxxxx | 2026-04-08 12:27 | 2026-04-15 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received Credit report and refresh for B2 - Due Diligence Vendor-04/15/2026 <br> Open-Borrower 2 Credit Report is Missing. Additional findings may apply - Due Diligence Vendor-04/08/2026 |  | Resolved-Received Credit report and refresh for B2 - Due Diligence Vendor-04/15/2026 | Months Reserves exceed minimum required - 5.52 mos reserves; 3 mos required<br>Verified employment history exceeds guidelines - B1 11 years self-employed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862339 | xxxxxx D A | Closed | xxxxxx | 2026-04-08 12:27 | 2026-04-15 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Credit report and refresh for B2 - Due Diligence Vendor-04/15/2026 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/08/2026 |  | Resolved-Received Credit report and refresh for B2 - Due Diligence Vendor-04/15/2026 | Months Reserves exceed minimum required - 5.52 mos reserves; 3 mos required<br>Verified employment history exceeds guidelines - B1 11 years self-employed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862340 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 17:29 | 2026-04-21 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Document Uploaded. Delinquent xxxxxx acct on gap report is last reporting 12/10/25. Current acct stmt provided dated 4/3/26. Able to match balance of $42105 and credit access line amt of $42000 to tradeline on credit. Stmt documents acct is paid current- no late fees or past due amts seen (payment received xxxxxx- prior to note date). - Due Diligence Vendor-04/21/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements The gap credit report page 171) shows that the a xxxxxx Card is currently past due - per guidelines and past due account must be brought current prior to close. Need proof of that. - Due Diligence Vendor-03/26/2026 |  | Resolved-Document Uploaded. Delinquent xxxxxx acct on gap report is last reporting 12/10/25. Current acct stmt provided dated 4/3/26. Able to match balance of $42105 and credit access line amt of $42000 to tradeline on credit. Stmt documents acct is paid current- no late fees or past due amts seen (payment received xxxxxx- prior to note date). - Due Diligence Vendor-04/21/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 |  | xxxxxx Acct Stmt.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862340 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 14:34 | 2026-04-07 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I-797A H1 B VISA approval for current and previous. - Due Diligence Vendor-04/07/2026 <br> Counter-Client provided I797A, missing EAD - Due Diligence Vendor-04/06/2026 <br> Counter-Received Client response document in initial file. Unable to locate Borrower 2 Citizenship Documentation. Please reupload. - Due Diligence Vendor-03/31/2026 <br> Open-Borrower Citizenship Documentation Is Missing Borrower 2 Citizenship Documentation not in file. - Due Diligence Vendor-03/25/2026 |  | Resolved-Received I-797A H1 B VISA approval for current and previous. - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 703 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862347 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 11:14 | 2026-04-06 12:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received PCCD, subject is a R/T. Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/06/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV for Cash Out P&L file is 70% - Due Diligence Vendor-04/02/2026 |  | Resolved-Received PCCD, subject is a R/T. Audited LTV of 75% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 723 Required is 680 Borrower has 723<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.52 Required is 50 Borrower has 34.52 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862347 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 21:02 | 2026-04-06 12:11 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry appearing on credit report is dated 2024, no need for LOX - Due Diligence Vendor-04/06/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/01/2026 |  | Resolved-Inquiry appearing on credit report is dated 2024, no need for LOX - Due Diligence Vendor-04/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 723 Required is 680 Borrower has 723<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.52 Required is 50 Borrower has 34.52 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862349 | xxxxxx C B A | Closed | xxxxxx | 2026-03-29 21:47 | 2026-04-02 08:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-04/02/2026 <br> Open-Missing e-Consent. ------Please provide Borrower's acknowledgement of e-consent - Due Diligence Vendor-03/30/2026 |  | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 660. Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - DTI 13.86% is lower than allowable 50% Required is 50 Borrower has 13.86 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862349 | xxxxxx C B A | Closed | xxxxxx | 2026-03-29 21:47 | 2026-03-29 22:01 | 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-03/30/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 660. Required is 660 Borrower has 752<br>Qualifying DTI below maximum allowed - DTI 13.86% is lower than allowable 50% Required is 50 Borrower has 13.86 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862499 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862500 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 13:39 | 2026-04-22 11:15 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Dec and Nov xxxxxx Statement for xxxxxx, Jan is already in file - Due Diligence Vendor-04/22/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements xxxxxx xxxxxx missing 60 days of asset verification - only 30 - Due Diligence Vendor-04/15/2026 |  | Resolved-Received Dec and Nov xxxxxx Statement for xxxxxx, Jan is already in file - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862509 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862527 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 13:58 | 2026-04-09 13:42 | 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 4.49 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/06/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Insufficient funds for reserves and closing. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/06/2026 | Resolved-Received additional assets. Audited Reserves of 4.49 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.97 |  | Post_CD_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862527 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 13:45 | 2026-04-09 13:41 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Additional Assets. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see Asset borrower is n ot short on funds. - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/06/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-42686.98'. Assets are Insufficient. Closing Cost per final CD dated xxxxxx is xxxxxx. In addition, 4 months reserves PITIA is required per guides. Assets are insufficient for Closing and Reserves. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see Asset borrower is n ot short on funds. - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/06/2026 | Resolved-Received Additional Assets. - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.97 |  | Post_CD_xxxxxx.pdf<br> Asset.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862527 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 13:31 | 2026-04-08 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Uploaded. xxxxxx. - Seller-04/07/2026 <br> Counter-Closing Package provided, however the Gap Report was not located. Please provide the GAP report. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Provided. xxxxxx. - Seller-04/03/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Uploaded. xxxxxx. - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. Provided. xxxxxx. - Seller-04/03/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.97 |  | xxxxxx Closing Package.pdf<br> xxxxxx Credit_Report_260403572095.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862527 | xxxxxx D B A | Closed | xxxxxx | 2026-03-21 14:00 | 2026-03-23 03:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 737<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.97 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862532 | xxxxxx D B A | Closed | xxxxxx | 2026-03-19 15:21 | 2026-04-06 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/03/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/03/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-04/06/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | xxxxxx Credit_Report_260318625436.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862532 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 13:52 | 2026-03-18 21:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/18/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 27.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862533 | xxxxxx B A | Closed | xxxxxx | 2026-03-27 12:19 | 2026-03-27 15:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material finding. - Due Diligence Vendor-03/27/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material finding. - Due Diligence Vendor-03/27/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 1.86<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 796 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862534 | xxxxxx D A | Closed | xxxxxx | 2026-04-07 20:23 | 2026-04-14 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, a gap credit report is not required since the loan closed the same day credit was run. - Due Diligence Vendor-04/14/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/08/2026 |  | Resolved-After further review, a gap credit report is not required since the loan closed the same day credit was run. - Due Diligence Vendor-04/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862538 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862553 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 15:15 | 2026-04-08 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received fully executed Seller CD - Due Diligence Vendor-04/08/2026 <br> Counter-Client provided Seller CD however it is not signed by seller, finding remains - Due Diligence Vendor-04/06/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing the seller CD confirm liens on title were paid at closing. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received fully executed Seller CD - Due Diligence Vendor-04/08/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862553 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 15:56 | 2026-04-06 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/06/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Fraud report reflects insufficient data for the builder to complete the exclusionary list checks. - Due Diligence Vendor-03/31/2026 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 13:26 | 2026-04-20 14:20 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Fully executed lease agreement and 1007 in file for xxxxxx along with the Judgment of Final Distribution on Waiver of Accounting and a property profile documenting Brw as owner of REO. Use of rental income fully documented per G/L requirements. - Due Diligence Vendor-04/20/2026 <br> Counter-Received 1007 for xxxxxx and judgement of final distribution dated xxxxxx. Provide clarification of final award of property, rental income to validated to meet guidelines. 1007 received does not reflect property as leased. - Due Diligence Vendor-04/15/2026 <br> Counter-Received 1007 for xxxxxx and judgement of final distribution dated xxxxxx. Provide clarification of final award of property, rental income to validated to meet guidelines. 1007 received does not reflect property as leased. - Due Diligence Vendor-04/14/2026 <br> Counter-Review is unable to locate 1007 and inheritance documentation for xxxxxx. Please provide. - Due Diligence Vendor-04/09/2026 <br> Open-ATR: The Lender did not document all ATR Factors Missing verification that borrower owns REO xxxxxx in order to use rental income. Fraud report shows property owned by a third party noting that borrower is not on title and mortgage statement shows the same third party. Borrower is named in care of on mortgage statement indicating that property is a part of an estate. A Property Detail Report provided shows borrower as primary owner; however, the transaction history shows the last transaction was xxxxxx to the third party. Although the report notes borrower as owner, the report does not show that title transferred to him. Additional findings may apply and DTI may require recalculation since Audit used net rental income to qualify. - Due Diligence Vendor-04/01/2026 |  | Resolved-Fully executed lease agreement and 1007 in file for xxxxxx along with the Judgment of Final Distribution on Waiver of Accounting and a property profile documenting Brw as owner of REO. Use of rental income fully documented per G/L requirements. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 12:02 | 2026-04-20 14:18 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Fully executed lease agreement and 1007 in file for xxxxxx along with the Judgment of Final Distribution on Waiver of Accounting and a property profile documenting Brw as owner of REO. - Due Diligence Vendor-04/20/2026 <br> Counter-It appears the Primary Residence finding has been verified, however client mentioned a court order which was not located in the loan file. Please provide a copy of the court order for review. Additional findings may apply. - Due Diligence Vendor-04/16/2026 <br> Counter-Received note borrower owns REOs. Please address primary residence finding. - Due Diligence Vendor-04/09/2026 <br> Open-1003 notes borrower owned primary residence for 42 years. However, note provided in file dated 2001 names 3rd party. Fraud report shows property owned by a third party noting that borrower is not on title and mortgage statement shows the same third party. Borrower is named in care of on mortgage statement indicating that property is a part of an estate. A Property Detail Report provided shows borrower as primary owner; however, the transaction history shows the last transaction was xxxxxx to the third party. Although the report notes borrower as owner, the report does not show that title transferred to him. Based on documentation provided in file, borrower is FTHB who lives rent free. - Due Diligence Vendor-04/01/2026 |  | Resolved-Fully executed lease agreement and 1007 in file for xxxxxx along with the Judgment of Final Distribution on Waiver of Accounting and a property profile documenting Brw as owner of REO. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 12:45 | 2026-04-20 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Fully executed lease agreement and 1007 in file for xxxxxx along with the Judgment of Final Distribution on Waiver of Accounting and a property profile documenting Brw as owner of REO. Use of rental income fully documented per G/L requirements. - Due Diligence Vendor-04/20/2026 <br> Counter-Court order was not located in the loan file. Please provide for review, additional findings may apply. - Due Diligence Vendor-04/16/2026 <br> Counter-Received note from originator, property acquired through inheritance. Review is unable to locate the probate or Last Will confirming. Documentation received is dated 2018. Please provide. - Due Diligence Vendor-04/09/2026 <br> Open-Missing verification that borrower owns REO xxxxxx in order to use rental income. Fraud report shows property owned by a third party noting that borrower is not on title and mortgage statement shows the same third party. Borrower is named in care of on mortgage statement indicating that property is a part of an estate. A Property Detail Report provided shows borrower as primary owner; however, the transaction history shows the last transaction was xxxxxx to the third party. Although the report notes borrower as owner, the report does not show that title transferred to him. Additional findings may apply and DTI may require recalculation since Audit used net rental income to qualify. - Due Diligence Vendor-04/01/2026 |  | Resolved-Fully executed lease agreement and 1007 in file for xxxxxx along with the Judgment of Final Distribution on Waiver of Accounting and a property profile documenting Brw as owner of REO. Use of rental income fully documented per G/L requirements. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-04-02 10:46 | 2026-04-20 14:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Lender has provided fully executed lease agreements for xxxxxx and xxxxxx along with a 1007 for each property to support the use of rental income which meets guidelines requirements. - Due Diligence Vendor-04/20/2026 <br> Counter-Received 1007 for xxxxxx reflecting no lease or tenant. Please confirm acquisition to support use of 1007. Missing security deposit and 1st months rent for xxxxxx as lease effective prior to closing date. - Due Diligence Vendor-04/15/2026 <br> Counter-Received request to rereview based on leases and 1007 received. Missing security deposit and 1st months rent for xxxxxx as lease effective prior to closing date. Missing 1007 OR security deposit and 1st mos rent for xxxxxx. acquired xxxxxx. - Due Diligence Vendor-04/09/2026 <br> Open-Missing evidence of rental income for xxxxxx and xxxxxx - lender to provide evidence of 2 months receipt or other acceptable source per guides. - Due Diligence Vendor-04/02/2026 |  | Resolved-Lender has provided fully executed lease agreements for xxxxxx and xxxxxx along with a 1007 for each property to support the use of rental income which meets guidelines requirements. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 12:56 | 2026-04-16 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clearance. - Due Diligence Vendor-04/16/2026 <br> Counter-Review was unable to locate xxxxxx clearance for borrower. Only SAM received. Please provide. - Due Diligence Vendor-04/09/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that possible borrower match to xxxxxx was cleared. Additional findings may apply. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received clearance. - Due Diligence Vendor-04/16/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 10:37 | 2026-04-10 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received Grant deed with Borrower name Correct. - Due Diligence Vendor-04/10/2026 <br> Open-Grant Deed dated xxxxxx has wrong spelling of borrower's last name. Additional findings may apply. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received Grant deed with Borrower name Correct. - Due Diligence Vendor-04/10/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862554 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 16:20 | 2026-04-08 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $400.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $400.00 (Appraisal FeeRent schedule) 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 $400.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/31/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862555 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-25 10:12 | 2026-04-01 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-After further review, the 4506 is not required. This is a P & L loan. - Due Diligence Vendor-04/01/2026 <br> Counter-Received Client response not required. Guideline silent. Audit defaulted to xxxxxx that require 4506. Finding remains. - Due Diligence Vendor-03/30/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-T/4506-C is absent the loan file, regarding of lender guides. Additional conditions may apply, pending review. - Due Diligence Vendor-03/25/2026 |  | Resolved-After further review, the 4506 is not required. This is a P & L loan. - Due Diligence Vendor-04/01/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.49<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.18 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862555 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-24 14:00 | 2026-03-26 09:38 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/26/2026 <br> Open-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. - Due Diligence Vendor-03/24/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.49<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.18 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 862564 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-02 17:14 | 2026-04-17 10:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received legible CD - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Counter-Pending 4506 finding - Due Diligence Vendor-04/13/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine without legible CD. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026<br>| Resolved-Received legible CD - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | xxxxxx xxxxxx 4506 B-2 (1).pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 16:13 | 2026-04-17 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received complete 4506C for B2 - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Counter-Received 4506. Missing printed name to confirm source of signature. - Due Diligence Vendor-04/13/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing Provide legible copy of 4506 for B2. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026<br>| Resolved-Received complete 4506C for B2 - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | xxxxxx xxxxxx 4506c B2 (1).pdf<br> xxxxxx xxxxxx 4506c B2.pdf<br> xxxxxx xxxxxx 4506 B-2.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 14:46 | 2026-04-17 10:32 | 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-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Counter-Received DOT that appears to be for an alternate loan file. Subject loan is a Second Home, xxxxxx IAO$ xxxxxx. - Due Diligence Vendor-04/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | xxxxxx xxxxxx deed along with legal disc.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 12:08 | 2026-04-13 07:42 | Resolved | 1 - Information C A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Open-CD: General Form Requirements Not Met Pages 2-5 of Final CD are unreadable, please provide a readable Final CD, compliance is unable to be run without a complete Final CD. Additional findings may apply upon receipt. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 12:08 | 2026-04-13 07:42 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Open-CD: Liability After Foreclosure Not Complete Pages 2-5 of Final CD are unreadable, please provide a readable Final CD, compliance is unable to be run without a complete Final CD. Additional findings may apply upon receipt. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 12:08 | 2026-04-13 07:42 | Resolved | 1 - Information C A | Compliance | TRID | CD: Refinance Statement Not Present | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Open-CD: Refinance Statement Not Present Pages 2-5 of Final CD are unreadable, please provide a readable Final CD, compliance is unable to be run without a complete Final CD. Additional findings may apply upon receipt. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 12:08 | 2026-04-13 07:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 <br> Open-TRID: Missing Final Closing Disclosure Pages 2-5 of Final CD are unreadable, please provide a readable Final CD, compliance is unable to be run without a complete Final CD. Additional findings may apply upon receipt. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862576 | xxxxxx D B A | Closed | xxxxxx | 2026-04-02 16:52 | 2026-04-02 17:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/02/2026 <br> Open-Guidelines require a minimum square footage of 500. The subject property square footage is xxxxxx. Exception in file. - Due Diligence Vendor-04/02/2026 |  | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/02/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 | FICO 20+ 775 (680)<br> LTV 65%<br> DTI 35.624%<br> Primary ownership 3 yrs<br> 0x30x36 satisfactory mtg payment hostory<br> Residual income $23,299.14 ($2500) |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 862582 | xxxxxx B A | Closed | xxxxxx | 2026-04-16 09:18 | 2026-04-20 11:05 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Lender approval. - Due Diligence Vendor-04/20/2026 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/16/2026 |  | Resolved-Received Lender approval. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 Required is 680 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.06 Required is 50 Borrower has 18.06 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862600 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 11:05 | 2026-04-20 11:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Originator provided a waiver Listing in the last 90 days, applied to non material finding with comp factors - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/15/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Subject was listed for sale on xxxxxx for xxxxxx. Listing was withdrawn on xxxxxx. Note date is xxxxxx. Cash-out refinance on recently listed properties in the last 90 days is by exception only. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Waived-Originator provided a waiver Listing in the last 90 days, applied to non material finding with comp factors - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.49 | Reserves: 40+37>3<br> DTI: 45-5<50<br> FICO:684+44 >640 Compensating Factors: Residual Income: $18000.00 a month<br> Housing: Housing history with no late payments since inception 0 X 30 X 36<br> Same Profession: Borrower has been in the same profession 9 years | Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 862600 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 10:59 | 2026-04-17 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received TWN dated w/in 10 days of Note Date - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/15/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of Employment from current employer dated no more than 10-calendar days prior to note date. Lender ordered a WorkNumber verification on xxxxxx but the info was only current as of xxxxxx. Brw submitted a paystub dated 3/31/26 but G/L do not state this is an acceptable alternative- only that an email directly from the employer's work email address that identifies the name and title of the verifier and the borrower's name and current employment status may be used in lieu of a verbal VOE. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Resolved-Received TWN dated w/in 10 days of Note Date - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.49 |  | TWN B1 xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862600 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-14 15:29 | 2026-04-16 10:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Seller-04/15/2026 <br> Open-Missing e-Consent. provide e-consent for transaction. Document in file is dated xxxxxx - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/16/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.49 |  | xxxxxx consent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862607 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862630 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 10:02 | 2026-04-16 11:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised 1003 and rent free letter to complete 12 mos housing history. - Due Diligence Vendor-04/16/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history - Due Diligence Vendor-04/07/2026 |  | Resolved-Received revised 1003 and rent free letter to complete 12 mos housing history. - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 818 Required is 660 Borrower has 818<br>Months Reserves exceed minimum required - 4 months reserves required; 5.8 months reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862630 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 15:41 | 2026-04-16 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received revised 1003 and rent free letter for final 3 months of housing history. - Due Diligence Vendor-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Full 12 month housing missing - Previous housing history missing. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received revised 1003 and rent free letter for final 3 months of housing history. - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 818 Required is 660 Borrower has 818<br>Months Reserves exceed minimum required - 4 months reserves required; 5.8 months reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862634 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862637 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862644 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862646 | xxxxxx B A | Closed | xxxxxx | 2026-03-25 12:53 | 2026-03-25 13:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/25/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862691 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862698 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862717 | xxxxxx B A | Closed | xxxxxx | 2026-04-01 12:19 | 2026-04-01 12:19 | 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 findings - Due Diligence Vendor-04/01/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/01/2026 | CLTV is less than guidelines maximum - Required is 85 Borrower has 68.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862719 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862723 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 11:09 | 2026-04-13 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Lender Tax Calculation Formula - Due Diligence Vendor-04/13/2026 <br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received Lender Tax Calculation Formula - Due Diligence Vendor-04/13/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $5,726.25 Min. $1500 <br>Months Reserves exceed minimum required - Reserves: 10 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.08 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862723 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 13:19 | 2026-04-13 10:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received CD confirming disbursement date of xxxxxx after start of HOI. - Due Diligence Vendor-04/13/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Missing evidence of insurance coverage with effective dates no later than xxxxxx (date of funding). Note dated xxxxxx and funded xxxxxx but evidence of insurance effective xxxxxx. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received CD confirming disbursement date of xxxxxx after start of HOI. - Due Diligence Vendor-04/13/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $5,726.25 Min. $1500 <br>Months Reserves exceed minimum required - Reserves: 10 Min 6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.08 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862731 | xxxxxx C A | Closed | xxxxxx | 2026-04-10 12:47 | 2026-04-15 07:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/15/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/10/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 69.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862735 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 12:48 | 2026-03-17 10:51 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/17/2026 <br> Ready for Review-Disagree - this loan has impounds and an appraisal. HPML is allowed - Seller-03/16/2026 <br> Open-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. Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/12/2026 | Ready for Review-Disagree - this loan has impounds and an appraisal. HPML is allowed - Seller-03/16/2026 | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - Verified assets of 85 months exceeds the minimum required of 0 months<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 25 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862735 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 12:12 | 2026-03-17 08:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-03/16/2026 <br> Open-Missing e-Consent. -----Missing e-Consent. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-03/16/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - Verified assets of 85 months exceeds the minimum required of 0 months<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 25 months |  | Doc3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862736 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 13:43 | 2026-03-18 09:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Initial Docs uploaded - Seller-03/17/2026 <br> Open-Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Initial Docs uploaded - Seller-03/17/2026<br>| Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 77.05%. Required is 85 Borrower has 77.05<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 40.61%. Required is 50 Borrower has 40.61 |  | LE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862736 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 08:13 | 2026-03-18 09:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Corrected CD uploaded - Seller-03/17/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Third Party Processing Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Corrected CD uploaded - Seller-03/17/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 77.05%. Required is 85 Borrower has 77.05<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 40.61%. Required is 50 Borrower has 40.61 |  | PCCD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862736 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 08:29 | 2026-03-18 09:43 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received COC. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing Valid COC for applicable increases. Statue of Limitations 3 years. Expiration date is xxxxxx - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received COC. Finding Resolved. - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 77.05%. Required is 85 Borrower has 77.05<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 40.61%. Required is 50 Borrower has 40.61 |  | COC -2.pdf<br>COC -4.pdf<br>COC -3.pdf<br>COC - 1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862736 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:24 | 2026-03-18 09:23 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Missing e-Consent. e-Consent missing from file. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 77.05%. Required is 85 Borrower has 77.05<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 40.61%. Required is 50 Borrower has 40.61 |  | xxxxxx eConsent.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862736 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 07:38 | 2026-03-18 09:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Not curable. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 77.05%. Required is 85 Borrower has 77.05<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 40.61%. Required is 50 Borrower has 40.61 |  | xxxxxx Homeownership Counseling Disclosure.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862737 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 11:02 | 2026-03-20 10:35 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Months Reserves exceed minimum required - Credit report reflects on time mortgage history for last 29 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.29 Required is 55 Borrower has 48.29 |  | xxxxxx xxxxxx xxxxxx ECONSENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862742 | xxxxxx D A | Closed | xxxxxx | 2026-03-10 15:29 | 2026-03-12 14:52 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Purpose Cert where borrower certifies use of cash proceeds. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-03/10/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-03/10/2026 | Resolved-Received Business Purpose Cert where borrower certifies use of cash proceeds. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has786. Required is 700 Borrower has 786<br>Months Reserves exceed minimum required - 9 months required - 13.42 months reserves |  | xxxxxx Bus Purpose Cert.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862742 | xxxxxx D A | Closed | xxxxxx | 2026-03-10 14:56 | 2026-03-12 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received documents to confirm bwr citizenship - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2026 <br> Open-Borrower Citizenship Documentation Is Missing The file does not contain a visa or employment authorization card. The file contains a notice of receipt for an application for an employment authorization card. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2026 | Resolved-Received documents to confirm bwr citizenship - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has786. Required is 700 Borrower has 786<br>Months Reserves exceed minimum required - 9 months required - 13.42 months reserves |  | xxxxxx employment authorization card.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862742 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 10:25 | 2026-03-12 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Entity documents confirming most recent file date within 60 days of Note date. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation as allowed Per xxxxxx guidelines, section 5.1.26 Verification for Self-Employed Borrowers: If the borrower's business is registered as single-member LLC/Corporation then the borrower must provide Articles of Incorporation and most recent filing with secretary of state. If articles of Incorporation do not list its owners, then CPA Letter with Ownership Breakdown or Addendum will be required. Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney must have either filed or reviewed previous year returns or financial audit. - Seller-03/10/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide missing 3rd party review. Entity Review in file. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached documentation as allowed Per xxxxxx guidelines, section 5.1.26 Verification for Self-Employed Borrowers: If the borrower's business is registered as single-member LLC/Corporation then the borrower must provide Articles of Incorporation and most recent filing with secretary of state. If articles of Incorporation do not list its owners, then CPA Letter with Ownership Breakdown or Addendum will be required. Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney must have either filed or reviewed previous year returns or financial audit. - Seller-03/10/2026 | Resolved-Received Entity documents confirming most recent file date within 60 days of Note date. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has786. Required is 700 Borrower has 786<br>Months Reserves exceed minimum required - 9 months required - 13.42 months reserves |  | xxxxxx Verification for Self-Employed Borrower.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862742 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 10:25 | 2026-03-12 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation as allowed Per xxxxxx guidelines, section 5.1.26 Verification for Self-Employed Borrowers: If the borrower's business is registered as single-member LLC/Corporation then the borrower must provide Articles of Incorporation and most recent filing with secretary of state. If articles of Incorporation do not list its owners, then CPA Letter with Ownership Breakdown or Addendum will be required. Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney must have either filed or reviewed previous year returns or financial audit. - Seller-03/10/2026 <br> Open-Borrower 1 CPA Letter Missing Provide missing CPA Letter. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached documentation as allowed Per xxxxxx guidelines, section 5.1.26 Verification for Self-Employed Borrowers: If the borrower's business is registered as single-member LLC/Corporation then the borrower must provide Articles of Incorporation and most recent filing with secretary of state. If articles of Incorporation do not list its owners, then CPA Letter with Ownership Breakdown or Addendum will be required. Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney must have either filed or reviewed previous year returns or financial audit. - Seller-03/10/2026 | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has786. Required is 700 Borrower has 786<br>Months Reserves exceed minimum required - 9 months required - 13.42 months reserves |  | xxxxxx Verification for Self-Employed Borrower.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862744 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 13:43 | 2026-03-16 12:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/12/2026 <br> Open-Homeownership Counseling Disclosure Is Missing ----- Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/12/2026 | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026 | LTV is less than guideline maximum - Required is 65 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 35.47 |  | Home-Ownership Counseling Acknowledgment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862744 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 14:11 | 2026-03-13 11:02 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/13/2026 <br> Open-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. ----- Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/10/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-03/13/2026 | LTV is less than guideline maximum - Required is 65 Borrower has 50<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 35.47 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 19:44 | 2026-03-17 13:53 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, payment ledger provided from xxxxxx, Servicing sold in xxxxxx however payoff provided reflects loan is current and no lates reported. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-The Loan History Summary from xxxxxx xxxxxx confirms the last payment made to that servicer was xxxxxx in the amount of $4,117.35. The loan was subsequently transferred to xxxxxx effective xxxxxx, which is why the xxxxxx xxxxxx account reflects a zero balance.<br> Supporting documentation evidences continued timely payments after the servicing transfer:<br> • Bank statement (xxxxxx xxxxxx) dated 01/08/2026 reflects a xxxxxx payment of $4,117.32 made on xxxxxx.<br> • The same bank statement also reflects another xxxxxx payment of $4,117.32 made on 01/08/2026.<br> Additionally, the payoff statement from xxxxxx dated xxxxxx, with figures valid through xxxxxx, includes the February payment, confirming the loan remained current following the servicing transfer.<br> Based on the provided loan history, servicing transfer documentation, bank statement evidence, and payoff statement confirming the account status, we respectfully request that this finding be cleared.<br> - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-Received payment printout. Based on rate and payment changed review is unable to confirm full payments made timely. Provide 12 month VOM. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached mortgage payment history from xxxxxx and VOM. Please clear this finding. - Seller-03/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for subject property. - Due Diligence Vendor-03/09/2026 | Ready for Review-The Loan History Summary from xxxxxx xxxxxx confirms the last payment made to that servicer was xxxxxx in the amount of xxxxxx. The loan was subsequently transferred to xxxxxx effective xxxxxx, which is why the xxxxxx xxxxxx account reflects a zero balance.<br> Supporting documentation evidences continued timely payments after the servicing transfer:<br> • Bank statement (xxxxxx xxxxxx) dated 01/08/2026 reflects a xxxxxx payment of $4,117.32 made on xxxxxx.<br> • The same bank statement also reflects another xxxxxx payment of $4,117.32 made on 01/08/2026.<br> Additionally, the payoff statement from xxxxxx dated 02/24/2026, with figures valid through 03/13/2026, includes the February payment, confirming the loan remained current following the servicing transfer.<br> Based on the provided loan history, servicing transfer documentation, bank statement evidence, and payoff statement confirming the account status, we respectfully request that this finding be cleared.<br> - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached mortgage payment history from xxxxxx and VOM. Please clear this finding. - Seller-03/11/2026 | Resolved-Upon further review, payment ledger provided from 7/2024- 11/2025, Servicing sold in xxxxxx however payoff provided reflects loan is current and no lates reported. - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | xxxxxx VOM Primary Residence.pdf<br> xxxxxx Payoff Demand Statment - xxxxxx dated xxxxxx.pdf<br> xxxxxx xxxxxx xxxxxx Loan History Summary and xxxxxx Checking xxxxxx showing xxxxxx payments.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 10:58 | 2026-03-13 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received perm resident card. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Green Card. Please clear this finding. - Seller-03/11/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation for borrower. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached Green Card. Please clear this finding. - Seller-03/11/2026 | Resolved-Received perm resident card. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | xxxxxx Green Card.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 11:39 | 2026-03-13 10:40 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-DISAGREE- THE BORROWER DOES NOT NEED TO SIGN THE CD'S THAT WERE ISSUED xxxxxx & xxxxxx UNLESS THERE WAS AN APR INCREASE AND THE 3 DAY WAIT PERIOD STARTED AGAIN. THEY ONLY NEED TO SIGN THE FINAL CD - PLEASE CLEAR - Seller-03/11/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($61.70) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,115.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $3,053.30 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3,053.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. COC xxxxxx addressed this, however, it is Not Tested due to CD xxxxxx and CD xxxxxx Not having proof of borrower acknowledgement - Due Diligence Vendor-03/09/2026 | Ready for Review-DISAGREE- THE BORROWER DOES NOT NEED TO SIGN THE CD'S THAT WERE ISSUED xxxxxx & xxxxxx UNLESS THERE WAS AN APR INCREASE AND THE 3 DAY WAIT PERIOD STARTED AGAIN. THEY ONLY NEED TO SIGN THE FINAL CD - PLEASE CLEAR - Seller-03/11/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 11:39 | 2026-03-13 10:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx CURED ON FINAL CD FOR TRANSFER TAXES. SEE ATTACHED - Seller-03/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxxxxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by xxxxxx (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx. Final CD xxxxxx shows this refund, however, it is Not Tested due to CD xxxxxx and CD xxxxxx Not having proof of borrower acknowledgement - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. xxxxxx CURED ON FINAL CD FOR TRANSFER TAXES. SEE ATTACHED - Seller-03/11/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | Signed CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 11:39 | 2026-03-13 10:36 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-DISAGREE- THE BORROWER DOES NOT NEED TO SIGN THE CD'S THAT WERE ISSUED xxxxxx & xxxxxx UNLESS THERE WAS AN APR INCREASE AND THE 3 DAY WAIT PERIOD STARTED AGAIN. THEY ONLY NEED TO SIGN THE FINAL CD - PLEASE CLEAR - Seller-03/11/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. -----Need borrower's acknowledgment of CDs issued xxxxxx and xxxxxx. Statute of Limitations - 3 Years; Expiration Date: xxxxxx. - Due Diligence Vendor-03/09/2026 | Ready for Review-DISAGREE- THE BORROWER DOES NOT NEED TO SIGN THE CD'S THAT WERE ISSUED xxxxxx & xxxxxx UNLESS THERE WAS AN APR INCREASE AND THE 3 DAY WAIT PERIOD STARTED AGAIN. THEY ONLY NEED TO SIGN THE FINAL CD - PLEASE CLEAR - Seller-03/11/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 11:08 | 2026-03-13 10:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/11/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/11/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | Home-Ownership Counseling Acknowledgment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862745 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 12:41 | 2026-03-13 10:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. SEE SYSTEM EVIDENCE - Seller-03/11/2026 <br> Open-Missing e-Consent. Missing E-Consent - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. SEE SYSTEM EVIDENCE - Seller-03/11/2026<br>| Resolved-Received acknowledgement of E-Consent. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified assets of 4.64 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 711 which exceeds the minimum of 680 Required is 680 Borrower has 711 |  | See system evidence of E.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 14:12 | 2026-03-20 10:59 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. uploaded - Seller-03/19/2026 <br> Counter-Documents uploaded are for LE xxxxxx and not the initial CD. Finding Remains. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Counter-We are missing the initial CD from xxxxxx. Please proved a signed copy. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Disagree- the initial CD was issued on xxxxxx and this loan closed on xxxxxx - Seller-03/17/2026 <br> Ready for Review-what are you looking for here? there are no comments. - Seller-03/17/2026 | Ready for Review-Document Uploaded. uploaded - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Ready for Review-Disagree- the initial CD was issued on xxxxxx and this loan closed on xxxxxx - Seller-03/17/2026 <br> Ready for Review-what are you looking for here? there are no comments. - Seller-03/17/2026 | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 10:56 | 2026-03-20 10:58 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD - Due Diligence Vendor-03/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $625.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/20/2026 |  | Resolved-PCCD - Due Diligence Vendor-03/20/2026<br>| Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 13:07 | 2026-03-19 09:34 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received initial LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. xxxxxx it- xxxxxx about that. Attached - Seller-03/18/2026 <br> Counter-Documents are for a different borrower. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURE PACKAGE UPLOADED - Seller-03/17/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on xxxxxxAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. --------Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. xxxxxx it- xxxxxx about that. Attached - Seller-03/18/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURE PACKAGE UPLOADED - Seller-03/17/2026 | Resolved-Received initial LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 | Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | LE.pdf<br>LE-2.pdf<br>LE- 1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 11:29 | 2026-03-18 11:29 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Provided Credit Report in its entirety - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Credit report for borrower is incomplete. Report provided does not have credit scores - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Provided Credit Report in its entirety - Due Diligence Vendor-03/18/2026<br>| Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | xxxxxx B1 Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 11:29 | 2026-03-18 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Client provided Credit Report for Borrower 2 - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Borrower 2 Credit Report is Missing. Missing credit report for co-borrower. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Client provided Credit Report for Borrower 2 - Due Diligence Vendor-03/18/2026<br>| Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | xxxxxx B2 Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 11:29 | 2026-03-18 11:29 | 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 received. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report is more than 10 days from note date. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Borrower 1 Gap Credit Report received. - Due Diligence Vendor-03/18/2026<br>| Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | xxxxxx B1 Credit Refresh.pdf<br> xxxxxx B2 Credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 13:07 | 2026-03-18 10:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. PCCD AND UPDATED NRTC SHOWING CLOSE DATE OF xxxxxx, NROTC xxxxxx & LOAN DISBURSED xxxxxx - Seller-03/17/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -------: The Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. PCCD AND UPDATED NRTC SHOWING CLOSE DATE OF xxxxxx, NROTC xxxxxx & LOAN DISBURSED xxxxxx - Seller-03/17/2026 | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | PCCD.pdf<br> xxxxxx - NORTC Initialed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:43 | 2026-03-18 10:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Missing e-Consent. E-consent Missing from File - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | xxxxxx B1 eConsent.pdf<br> xxxxxx B2 eConsent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862750 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 13:46 | 2026-03-18 10:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-The Initial 1003 is Missing Missing initial 1003. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Months Reserves exceed minimum required - Verified assets of 43.94 months exceeds the minimum required of 6 months<br>LTV is less than guideline maximum - Required is 70 Borrower has 52.38 |  | xxxxxx B2 1003.pdf<br> xxxxxx B1 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 12:15 | 2026-03-20 12:05 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Counter-Yes 10% was re-ran on the PCCD. The fees are still located in section B and subject to the 10% tolerance. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-was the 10% test rerun after the PCCD was provided? - Seller-03/13/2026 <br> Counter-Received PCCD xxxxxx. 10% tolerance was not addressed. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. THE FEES WERE IN THE WRONG BLOCKL ACCORDING TO THE SSPL - SEE ATTACHED CD AND ADVISE - Seller-03/12/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,760.00) exceed the comparable charges ($1,650.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Deed Doc Prep Fee, Signing Fee, Wire Transfer Fee, Recording Fee) increased by $1170 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 $945, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Ready for Review-was the 10% test rerun after the PCCD was provided? - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. THE FEES WERE IN THE WRONG BLOCKL ACCORDING TO THE SSPL - SEE ATTACHED CD AND ADVISE - Seller-03/12/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  | Signed CD.pdf<br> CURE CD.pdf<br> xxxxxx LOE.pdf<br> xxxxxx label.pdf<br> check xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 19:50 | 2026-03-19 16:50 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Borrower signed in a business entity name and not individually this makes the business entity—not the individual—the responsible party. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-The borrower for the xxxxxx loan is the LLC, not xxxxxx. Please escalate and clear finding. - Seller-03/17/2026 <br> Counter-Client provided Note and Property profile again. Per initial finding, missing mortgage statement from xxxxxx, please provide - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/16/2026 <br> Counter-No new documents provided. Note identifies xxxxxx and xxxxxx as the Borrowers, indicating it is personally guaranteed. Please provide proof of 6 months payments to meet guidelines. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/13/2026 <br> Counter-Pending proof of debt paid by business finding. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/12/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Mortgage Statement for xxxxxx in the amount of xxxxxx Monthly as listed on final 1003 - Due Diligence Vendor-03/12/2026 | Ready for Review-The borrower for the xxxxxx loan is the LLC, not xxxxxx. Please escalate and clear finding. - Seller-03/17/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/16/2026 <br> Ready for Review-Please refer to comments in related finding. - Seller-03/13/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/12/2026 | Resolved-Borrower signed in a business entity name and not individually this makes the business entity—not the individual—the responsible party. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 19:51 | 2026-03-17 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Client provided Note and Property profile again. Per initial Finding, we are missing the Mortgage statement from xxxxxx, please provide - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. See attached screenshot. The "borrower" for that loan is the xxxxxx and our xxxxxx is NOT personally responsible for that debt; therefore, 6 months of canceled checks are not required. - Seller-03/16/2026 <br> Counter-No new documents provided. Note identifies xxxxxx and xxxxxx as the Borrowers, indicating it is personally guaranteed. Please provide proof of 6 months payments to meet guidelines. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-We respectfully disagree. The guidelines in 8.7 refer to the business owners who are personally responsible for the debt. According to the previously uploaded Note for the xxxxxx loan, the "borrower" for that loan is the xxxxxx and our xxxxxx is not personally responsible for that debt; therefore, 6 months of canceled checks are not required. - Seller-03/13/2026 <br> Counter-Received Note and property report. To adhere to guideline 8.7 - Missing Most recent 6 months of canceled checks drawn from the business account, - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. The xxxxxx loan for xxxxxx is owned and paid by the borrower's business. Please see attached Property Profile and Note. - Seller-03/12/2026 <br> Open-Missing Mortgage Statement for xxxxxx in the amount of xxxxxx Monthly. Not listed on the REO Schedule, but listed as a liability - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. See attached screenshot. The "borrower" for that loan is the xxxxxx and our xxxxxx is NOT personally responsible for that debt; therefore, 6 months of canceled checks are not required. - Seller-03/16/2026 <br> Ready for Review-We respectfully disagree. The guidelines in 8.7 refer to the business owners who are personally responsible for the debt. According to the previously uploaded Note for the xxxxxx loan, the "borrower" for that loan is the xxxxxx and our xxxxxx is not personally responsible for that debt; therefore, 6 months of canceled checks are not required. - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. The xxxxxx loan for xxxxxx is owned and paid by the borrower's business. Please see attached Property Profile and Note. - Seller-03/12/2026 | Resolved-Client provided Note and Property profile again. Per initial Finding, we are missing the Mortgage statement from xxxxxx, please provide - Due Diligence Vendor-03/17/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  | xxxxxx Property Profile xxxxxx.pdf<br> xxxxxx Primsorry Note.pdf<br> xxxxxx Primsorry Note SCREENSHOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 19:57 | 2026-03-17 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review, parent loan completed by son. Parents income has been documented. Per xxxxxx documenting property as primary is correct. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-The waterfall for our guidelines is as follows: xxxxxx Guidelines, xxxxxx guidelines. Anything not identified in xxxxxx guidelines uses xxxxxx guidelines. Please escalate and clear the finding accordingly. - Seller-03/16/2026 <br> Counter-Review of xxxxxx Guidelines identify the following 2.8 Borrower Types-Primary, Co- Borrower, FTHB, and Non Borrowing Occupant and Non- Occupant Co- Borrower. Guidelines do not indicate Parental purchase allowed. Finding Remains. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Per xxxxxx B2-1.1-01, Occupancy Types: Children wanting to provide housing for parents; If the parent is unable to work or does not have sufficient income to qualify for a mortgage on their own, the child is considered the owner/occupant.<br>- Seller-03/12/2026 <br> Open-Per 1008: Parent Loan - Subject is primary residence for borrowers parents; Borrowers true primary is xxxxxx. The Borrower is solely Qualifying for the loan, not as a Non-Co Borrowing individual. - Due Diligence Vendor-03/12/2026 | Ready for Review-The waterfall for our guidelines is as follows: xxxxxx Guidelines, xxxxxx guidelines. Anything not identified in xxxxxx guidelines uses xxxxxx guidelines. Please escalate and clear the finding accordingly. - Seller-03/16/2026 <br> Ready for Review-Per xxxxxx B2-1.1-01, Occupancy Types: Children wanting to provide housing for parents; If the parent is unable to work or does not have sufficient income to qualify for a mortgage on their own, the child is considered the owner/occupant.<br>- Seller-03/12/2026 | Resolved-Upon further review, parent loan completed by son. Parents income has been documented. Per xxxxxx documenting property as primary is correct. - Due Diligence Vendor-03/17/2026<br>| LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 15:46 | 2026-03-13 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br> Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-03/13/2026<br>| LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  | xxxxxx Inq LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 13:20 | 2026-03-13 09:46 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received documentation of receipt. Finding Resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached. <br> - Seller-03/12/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. <br> - Seller-03/12/2026<br>| Resolved-Received documentation of receipt. Finding Resolved. - Due Diligence Vendor-03/13/2026<br>| LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  | xxxxxx eConsent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 13:20 | 2026-03-13 09:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/13/2026<br>| LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  | xxxxxx Homeownership Counseling Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862751 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 12:15 | 2026-03-13 09:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-03/12/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-03/12/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/13/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 17.13%. Required is 85 Borrower has 17.13<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 796. Required is 660 Borrower has 796 |  | Signed CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862757 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 09:34 | 2026-03-17 13:02 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Received lease and proof of receipt and wire confirmation confirming from tenant. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Your finding that 4 months of income verification is missing is invalid. The income calculation worksheet clearly reflects that the bank statements for xxxxxx (10/01/2024 – 11/30/2024) and xxxxxx (10/01/2024 – 11/30/2024) show $0 included in the total income calculation. This confirms that these business bank statements were not used or required for qualifying purposes.<br> Regarding the rental income for Property xxxxxx, a newly executed lease dated xxxxxx, with a lease term beginning xxxxxx, for the property located at xxxxxx., xxxxxx, has been provided in the loan file.<br> In accordance with xxxxxx 7.2 – Rental Income Guide, when a new lease for new tenants is used to support rental income, documentation must include:<br> • The executed lease agreement, and<br> • Proof of receipt of the security deposit and first month's rent.<br> To satisfy this requirement, the file includes a xxxxxx statement dated 02/26/2026 showing a wire deposit of $15,000, consisting of:<br> • $10,000 – First month's rent, and<br> • $5,000 – Security deposit.<br> This documentation meets the guideline requirements for using rental income from a newly executed lease.<br> Based on the above, please clear this condition.<br> - Seller-03/16/2026 <br> Open-Income 4 Months Income Verified is Missing Property xxxxxx: Lender used $10K rents per month in qualifying. Provide executed lease, with 2m rent deposits to support use of rents. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Your finding that 4 months of income verification is missing is invalid. The income calculation worksheet clearly reflects that the bank statements for xxxxxx (10/01/2024 – 11/30/2024) and xxxxxx (10/01/2024 – 11/30/2024) show $0 included in the total income calculation. This confirms that these business bank statements were not used or required for qualifying purposes.<br> Regarding the rental income for Property xxxxxx, a newly executed lease dated xxxxxx, with a lease term beginning xxxxxx, for the property located at xxxxxx., xxxxxx, has been provided in the loan file.<br> In accordance with xxxxxx 7.2 – Rental Income Guide, when a new lease for new tenants is used to support rental income, documentation must include:<br> • The executed lease agreement, and<br> • Proof of receipt of the security deposit and first month's rent.<br> To satisfy this requirement, the file includes a xxxxxx statement dated 02/26/2026 showing a wire deposit of $15,000, consisting of:<br> • $10,000 – First month's rent, and<br> • $5,000 – Security deposit.<br> This documentation meets the guideline requirements for using rental income from a newly executed lease.<br> Based on the above, please clear this condition.<br> - Seller-03/16/2026 | Resolved-Received lease and proof of receipt and wire confirmation confirming from tenant. - Due Diligence Vendor-03/17/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 58.01 Required is 85 Borrower has 58.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766 |  | xxxxxx Lease Agreement and Receiit of 1st months rent and security deposit..pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862761 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 13:40 | 2026-03-18 10:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Missing e-Consent. Missing E-Consent in file. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.12<br>LTV is less than guideline maximum - Required is 75 Borrower has 46.29 |  | xxxxxx eConsent.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 13:26 | 2026-03-20 14:17 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-03/18/2026 <br> Open-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. - Due Diligence Vendor-03/17/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 13:01 | 2026-03-20 10:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Open-The Initial 1003 is Missing ----- Please provide initial application dated by originator to clarify application date. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026<br>| Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. |  | 1003 - URLA.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 16:59 | 2026-03-19 10:21 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-1008 was provided with attestation. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. Provide Missing Attestation/Docs. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2026<br>| Resolved-1008 was provided with attestation. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. |  | xxxxxx 1008 shows warrantable.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 13:50 | 2026-03-19 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. CD'S were issued on xxxxxx and xxxxxx. The borrower does not need to sign the CD's dated xxxxxx. They only need to the sign the final CD as the APR did not increase past allowable limits - Seller-03/18/2026 <br> Open------ Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. CD'S were issued on xxxxxx and xxxxxx. The borrower does not need to sign the CD's dated xxxxxx. They only need to the sign the final CD as the APR did not increase past allowable limits - Seller-03/18/2026 | Resolved-Received Initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. |  | CD-2.pdf<br>CD-1.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 13:49 | 2026-03-19 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Open------ Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026<br>| Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. |  | LE.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 13:26 | 2026-03-19 08:08 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received copy of initial Homeowners disclosure. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026<br>| Resolved-Received copy of initial Homeowners disclosure. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. |  | Home-Ownership Counseling Acknowledgment.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862764 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-17 17:22 | 2026-03-18 09:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. Exception approved for individual tax cert. - Due Diligence Vendor-03/18/2026 <br> Open-Current Guidelines: Need individual tax cert for individual condo unit<br> Exception Request: Requesting exception due to county timing delays on converting property tax structure from all xxxxxx units into individual taxed units, process can take many months. - Due Diligence Vendor-03/17/2026 |  | Waived-Originator waiver applied to non-material finding with compensating factors. Exception approved for individual tax cert. - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 75% Borrower has 66.57%. Required is 75 Borrower has 66.57<br>Months Reserves exceed minimum required - The Borrower has 12.07 moths in reserves; guideline minimum is 6 months. | 4+ Years in primary residence<br> 24 + months on time mortgage history exceeds guideline requirement<br> Years on Job: 14 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 862769 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 12:57 | 2026-03-13 10:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received HC List disclosure. Finding resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Stature of Limitation 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026<br>| Resolved-Received HC List disclosure. Finding resolved. - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - DTI of 6.81% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 6.81<br>Months Reserves exceed minimum required - Verified assets of 14.85 months exceeds the minimum required of 3 months |  | xxxxxx Homeownership Counseling Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862773 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 14:44 | 2026-03-17 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Per Client, this is not a BP loan. Cashout letter not required, Trid run - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Please expedite this to be cleared as soon as possible - Seller-03/12/2026 <br> Counter-Please confirm non-business purpose as compliance will have to be tested. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Lender notes the loan product is not for business purpose transaction and a cash out letter is not required. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash Out Letter. - Due Diligence Vendor-03/09/2026 | Ready for Review-Please expedite this to be cleared as soon as possible - Seller-03/12/2026 <br> Ready for Review-Lender notes the loan product is not for business purpose transaction and a cash out letter is not required. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 | Resolved-Per Client, this is not a BP loan. Cashout letter not required, Trid run - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - 6 months reserves required. Borrower has over 20+ mths in reserves. <br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862782 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 13:30 | 2026-05-01 09:24 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/17/2026 <br> Open-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. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-DISAGREE- THIS LOAN HAS AN APPRAISAL AND THE LOANIS IMPOUNDED- PLEASE CLEAR AS HPML IS ALLOWED - Seller-03/13/2026 | Ready for Review-DISAGREE- THIS LOAN HAS AN APPRAISAL AND THE LOANIS IMPOUNDED- PLEASE CLEAR AS HPML IS ALLOWED - Seller-03/13/2026<br>| Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/17/2026 | LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.64 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862782 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-13 11:30 | 2026-03-16 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided VOR . Housing History Meets Guideline Requirements - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for a FTHB. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Client provided VOR . Housing History Meets Guideline Requirements - Due Diligence Vendor-03/16/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.64 |  | xxxxxx VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862782 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 12:38 | 2026-03-16 10:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.64 |  | xxxxxx Homeownership Counseling Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862782 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 14:55 | 2026-03-16 10:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Missing e-Consent. -----Missing econsent - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 16.64 |  | xxxxxx eConsent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862784 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 20:03 | 2026-03-06 13:37 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received cash out letter confirming business purpose. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Disagree, Loan is not a Business purpose loan type and does not require a cash out Letter, however the borrower did provide an explanation. Please see attached - Seller-03/05/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Investment Cash-Out: we need the reason for the use of cash-out through either a letter or BP Cert. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Disagree, Loan is not a Business purpose loan type and does not require a cash out Letter, however the borrower did provide an explanation. Please see attached - Seller-03/05/2026 | Resolved-Received cash out letter confirming business purpose. - Due Diligence Vendor-03/06/2026<br>| Long term residence - Long Term Residence 10 years<br>Months Reserves exceed minimum required - Reserves Require 0 Verified 40 |  | xxxxxx Cash out purpose.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862784 | xxxxxx D A | Closed | xxxxxx | 2026-03-03 10:55 | 2026-03-06 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2026 <br> Open-Missing Hazard Insurance Policy for Subject property. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/05/2026<br>| Resolved-Received HOI policy. - Due Diligence Vendor-03/06/2026<br>| Long term residence - Long Term Residence 10 years<br>Months Reserves exceed minimum required - Reserves Require 0 Verified 40 |  | xxxxxx HOI Coverage and RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862788 | xxxxxx C B A | Closed | xxxxxx | 2026-03-05 10:45 | 2026-03-25 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The subject was purchased in xxxxxx, pay history for subject mortgage provided. There is no rental history for the prior months. The borrower's meets the requirement for borrower with less than a 12-month housing history, - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Lender notes the the attached history shows Primary verification of payments since inception with a first payment of xxxxxx and on, however the borrower would have moved in at time of purchase. No rental verification was obtained for the previous residence because xxxxxx did not involve any rent payments. The borrower and fiancé were staying there temporarily with the fiancé's parents while awaiting the closing of the subject primary residence. Please expedite this to be cleared as soon as possible - Seller-03/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Provide missing VOM for subject property mortgage, not reporting to credit and in effect since xxxxxx.<br>2. Provide missing VOR to verify rental history within past 12m for previous rental of xxxxxx. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Lender notes the the attached history shows Primary verification of payments since inception with a first payment of xxxxxx and on, however the borrower would have moved in at time of purchase. No rental verification was obtained for the previous residence because xxxxxx did not involve any rent payments. The borrower and fiancé were staying there temporarily with the fiancé's parents while awaiting the closing of the subject primary residence. Please expedite this to be cleared as soon as possible - Seller-03/09/2026 | Resolved-The subject was purchased in xxxxxx, pay history for subject mortgage provided. There is no rental history for the prior months. The borrower's meets the requirement for borrower with less than a 12-month housing history, - Due Diligence Vendor-03/25/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 74.87 Required is 80 Borrower has 74.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 Required is 680 Borrower has 753 |  | xxxxxx Payment History Statement of account xxxxxx.pdf<br> xxxxxx Addresses on Credit Report Explanation.pdf<br> xxxxxx less than 12 mo NON QM Guide.png | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862788 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 15:26 | 2026-03-10 07:29 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see attached, Initial disclosures sent xxxxxx, signed same day - Seller-03/09/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached, Initial disclosures sent xxxxxx, signed same day - Seller-03/09/2026 | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/10/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 74.87 Required is 80 Borrower has 74.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 Required is 680 Borrower has 753 |  | xxxxxx Home-Ownership Counseling Acknowledgment.pdf<br> xxxxxx dislcousure LOS tracking .png | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862788 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 15:26 | 2026-03-04 15:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material findings. - Due Diligence Vendor-03/04/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material findings. - Due Diligence Vendor-03/04/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 74.87 Required is 80 Borrower has 74.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753 Required is 680 Borrower has 753 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 08:56 | 2026-03-24 17:56 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Disagree- this loan has impounds and an appraisal. HPML is allowed. Please clear - Seller-03/19/2026 <br> Open-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. - Due Diligence Vendor-03/19/2026 | Ready for Review-Disagree- this loan has impounds and an appraisal. HPML is allowed. Please clear - Seller-03/19/2026<br>| Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 08:56 | 2026-03-24 17:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx showing fee in section A. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. PCCD PROVIDED - Seller-03/23/2026 <br> Counter-The fee is already located in Section B and is paid to the lender, which is not allowed. If a re-draw fee, it can be moved to section A on a PCCD. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-THIS WAS A REDRAW FEE THAT SHOULD HAVE BEEN IN BLOCK B. PLEASE ADVISE IF OK TO MOVE AND PROVIDE PROOF THAT IT WAS DISCLOSED TO THE BORROWER WITHIN 3 DAYS OR IS A CURE NEEDED - Seller-03/19/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. PCCD PROVIDED - Seller-03/23/2026 <br> Ready for Review-THIS WAS A REDRAW FEE THAT SHOULD HAVE BEEN IN BLOCK B. PLEASE ADVISE IF OK TO MOVE AND PROVIDE PROOF THAT IT WAS DISCLOSED TO THE BORROWER WITHIN 3 DAYS OR IS A CURE NEEDED - Seller-03/19/2026 | Resolved-Received PCCD xxxxxx showing fee in section A. Finding Resolved. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  | PCCD.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 08:56 | 2026-03-24 17:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received valid COC - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Counter-The re-draw fee was added on the final CD xxxxxx signed at closing on xxxxxx. Please provide COC. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Counter-The fee is already located in Section B and is paid to the lender. If a re-draw fee, can be moved to section A. but will still need a COC showing proof borrower was aware of the new fee prior to closing. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-THIS WAS A REDRAW FEE THAT SHOULD HAVE BEEN IN BLOCK B. PLEASE ADVISE IF OK TO MOVE AND PROVIDE PROOF THAT IT WAS DISCLOSED TO THE BORROWER WITHIN 3 DAYS OR IS A CURE NEEDED - Seller-03/19/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,338.72.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 <br>Ready for Review-Document Uploaded. - Seller-03/23/2026 <br>Ready for Review-THIS WAS A REDRAW FEE THAT SHOULD HAVE BEEN IN BLOCK B. PLEASE ADVISE IF OK TO MOVE AND PROVIDE PROOF THAT IT WAS DISCLOSED TO THE BORROWER WITHIN 3 DAYS OR IS A CURE NEEDED - Seller-03/19/2026<br>| Resolved-Received valid COC - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  | REDRAW FEE.pdf.pdf<br> CD.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 08:56 | 2026-03-20 09:39 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/19/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/19/2026<br>| Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  | LE LOCK.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 11:08 | 2026-03-19 09:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD's xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-03/18/2026 <br> Counter-Please provide a copy of the xxxxxx and xxxxxx CD's we only have a copy of the Final Cd xxxxxx and the PCCD xxxxxx. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Disregard initial comment. I have the date wrong<br>Disagree- the initial CD was issued on xxxxxx. Additional CDs issued xxxxxx and final CD issued xxxxxx. There was no change to the APR to cause a new 3 day wait period. The only CD that needs to be signed is the final CD. Please clear. <br>- Seller-03/17/2026 <br> Ready for Review-Disagree- the initial CD was sent on xxxxxx. Final CD sent on xxxxxx. There was no change in the APR to cause a new 3 day wait period. The only CD that needs to be signed is the final CD. Please clear - Seller-03/17/2026 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-03/18/2026 <br> Ready for Review-Disregard initial comment. I have the date wrong<br>Disagree- the initial CD was issued on xxxxxx. Additional CDs issued xxxxxx and final CD issued xxxxxx. There was no change to the APR to cause a new 3 day wait period. The only CD that needs to be signed is the final CD. Please clear. <br>- Seller-03/17/2026 <br> Ready for Review-Disagree- the initial CD was sent on xxxxxx. Final CD sent on xxxxxx. There was no change in the APR to cause a new 3 day wait period. The only CD that needs to be signed is the final CD. Please clear - Seller-03/17/2026 | Resolved-Received CD's xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  | xxxxxx.pdf<br> xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 11:37 | 2026-03-18 10:46 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower.<br> - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  | xxxxxx eConsent.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862805 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 13:16 | 2026-03-18 10:46 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Received Initial Escrow Account Disclosure. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Initial Escrow Account Disclosure is Missing Missing initial Escrow Disclosure. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Received Initial Escrow Account Disclosure. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI of 38.14% is below the maximum allowed per guidelines of 45% Required is 45 Borrower has 38.14 |  | xxxxxx Escrow Account Disclosure.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 20:45 | 2026-03-18 13:24 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received proof debt IAO $6779. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Counter-Client provided statement from xxxxxx dated 5/22/2025. Unable to identify what this is for and the amounts differ. Finding remains - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Provide missing Statement for xxxxxx in the amount of $6779. Paid by the Business. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Received proof debt IAO $6779. - Due Diligence Vendor-03/18/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 46.15 Required is 80 Borrower has 46.15<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.26 Required is 50 Borrower has 22.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | xxxxxx CSA SBA Loan.pdf<br> xxxxxx SBA Loan.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 08:33 | 2026-03-17 12:08 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided VOM, Housing History Meets Guideline Requirements - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of mortgage for subject - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Client provided VOM, Housing History Meets Guideline Requirements - Due Diligence Vendor-03/17/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 46.15 Required is 80 Borrower has 46.15<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.26 Required is 50 Borrower has 22.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | xxxxxx VOM.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 12:52 | 2026-03-16 14:41 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Rec'd homeownership counseling organizations disclosure issued xxxxxx. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. Finding not curable. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Rec'd homeownership counseling organizations disclosure issued xxxxxx. - Due Diligence Vendor-03/16/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 46.15 Required is 80 Borrower has 46.15<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.26 Required is 50 Borrower has 22.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | xxxxxx Homeownership Counseling Disclosure.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 10:09 | 2026-03-11 12:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 46.15 Required is 80 Borrower has 46.15<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.26 Required is 50 Borrower has 22.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 862806 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 10:09 | 2026-03-11 12:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 46.15 Required is 80 Borrower has 46.15<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.26 Required is 50 Borrower has 22.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 862812 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 13:02 | 2026-03-19 14:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA with score of 1 and correct appraised value was provided; guidelines do not require both CU ad LCA. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-The loan file includes the LCA Submission Summary Report (SSR) reflecting the correct appraised value and associated scoring.<br>Per Section 10.1.5 – Appraisal Review Product for 1–4 Residential Property, the guideline requires that the loan file contain a Submission Summary Report (SSR), and only one score is required to satisfy the appraisal review requirement.<br>The guideline does not specify that the SSR must be generated specifically from Collateral Underwriter (CU) when another acceptable appraisal review product has been obtained. The LCA SSR included in the file provides the required appraisal review scoring, which satisfies the requirement outlined in the guideline.<br>Since the file already contains a compliant Submission Summary Report with the appropriate score, the appraisal review requirement has been met. The presence of an LCA SSR fulfills the guideline requirement, and an additional \*\*CU SSR is not required when a valid SSR and score are already documented in the loan file.<br>Based on the above, the finding citing a missing CU SSR appears to be unsupported by the guideline requirement, and we respectfully request that this condition be cleared. - Seller-03/18/2026 <br> Counter-Received LCA SSR reflecting correct value. Missing CU SSR - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached Updated xxxxxx SSR. No issues found. Please clear this finding. - Seller-03/13/2026 <br> Open-The appraisal contained a value of xxxxxx; however, the CU and LCA contained a value of xxxxxx The CU and LCA values should match the appraisal value. - Due Diligence Vendor-03/11/2026 | Ready for Review-The loan file includes the LCA Submission Summary Report (SSR) reflecting the correct appraised value and associated scoring.<br>Per Section 10.1.5 – Appraisal Review Product for 1–4 Residential Property, the guideline requires that the loan file contain a Submission Summary Report (SSR), and only one score is required to satisfy the appraisal review requirement.<br>The guideline does not specify that the SSR must be generated specifically from Collateral Underwriter (CU) when another acceptable appraisal review product has been obtained. The LCA SSR included in the file provides the required appraisal review scoring, which satisfies the requirement outlined in the guideline.<br>Since the file already contains a compliant Submission Summary Report with the appropriate score, the appraisal review requirement has been met. The presence of an LCA SSR fulfills the guideline requirement, and an additional \*\*CU SSR is not required when a valid SSR and score are already documented in the loan file.<br>Based on the above, the finding citing a missing CU SSR appears to be unsupported by the guideline requirement, and we respectfully request that this condition be cleared. - Seller-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Updated xxxxxx SSR. No issues found. Please clear this finding. - Seller-03/13/2026 | Resolved-LCA with score of 1 and correct appraised value was provided; guidelines do not require both CU ad LCA. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 700 Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.16 Required is 50 Borrower has 37.16 |  | xxxxxx xxxxxx xxxxxx SSR value is 1 for a xxxxxx appraised value.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862812 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 11:17 | 2026-03-13 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Client provided updated 1008 - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-03/11/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. Provide the UW Attestation and/or documentation clearly stating whether the project review completed resulted in condo being determined as warrantable or non-warrantable must be delivered with the file. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-03/11/2026<br>| Resolved-Client provided updated 1008 - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 700 Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.16 Required is 50 Borrower has 37.16 |  | xxxxxx xxxxxx PC 1008 Warrantable Condo.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862812 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 11:53 | 2026-03-13 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Disagree- this loan has always been lender paid comp. The comp does not show on the LE, so it did not increase. 2.50% of xxxxxx = $6500. The comp is built into the interest rate. Please clear - Seller-03/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,500.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $6,500 Mortgage Broker Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6,500, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/09/2026 | Ready for Review-Disagree- this loan has always been lender paid comp. The comp does not show on the LE, so it did not increase. 2.50% of xxxxxx = $6500. The comp is built into the interest rate. Please clear - Seller-03/11/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 700 Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.16 Required is 50 Borrower has 37.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862812 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 11:53 | 2026-03-13 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. CURE CAPTURED ON FINAL CD - Seller-03/11/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($956.50) exceed the comparable charges ($826.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $47.90 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 $47.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. CURE CAPTURED ON FINAL CD - Seller-03/11/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 700 Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.16 Required is 50 Borrower has 37.16 |  | xxxxxx Signed CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862813 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 16:54 | 2026-03-19 09:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description was provided with DOT. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Page 4 of 16 of the Deed of Trust. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/18/2026<br>| Resolved-Legal description was provided with DOT. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 777 which exceeds the minimum of 660 Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.41<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75 |  | xxxxxx MTG DOT Legal.PDF | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862813 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 09:33 | 2026-03-18 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Housing History Meets Guideline Requirements - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Lender notes Property was owned Free and Clear prior to the xxxxxx is First payment, please see Note FUNDLOANS xxxxxx for xxxxxx - Seller-03/17/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for xxxxxx<br> - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Lender notes Property was owned Free and Clear prior to the xxxxxx is First payment, please see Note FUNDLOANS xxxxxx for xxxxxx - Seller-03/17/2026 | Resolved-Received Housing History Meets Guideline Requirements - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 777 which exceeds the minimum of 660 Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.41<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75 |  | xxxxxx Free and Clear prior to Fund Loans xxxxxx for xxxxxx.pdf<br> xxxxxx 3.1 first payment Fund Loans - NOTe xxxxxx for xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862813 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 09:18 | 2026-03-18 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 777 which exceeds the minimum of 660 Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.41<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75 |  | xxxxxx Credit Inquiry LOE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862813 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 06:54 | 2026-03-18 10:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached LOS tracking - Seller-03/17/2026 <br> Open-Missing e-Consent. e-Consent not in file. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached LOS tracking - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 777 which exceeds the minimum of 660 Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.41<br>LTV is less than guideline maximum - LTV of 75% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 75 |  | xxxxxx Consent tracking .png | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862816 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 18:31 | 2026-03-16 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of HOA. monthly payment 4566.44 include HOA. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached HOA bill for property located at xxxxxx., xxxxxx - Seller-03/12/2026 <br> Open-Missing proof of the monthly HOA for property xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached HOA bill for property located at xxxxxx - Seller-03/12/2026 | Resolved-Received proof of HOA. monthly payment 4566.44 include HOA. - Due Diligence Vendor-03/16/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 8.31 Required is 50 Borrower has 8.31<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 792 Required is 660 Borrower has 792<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 64.52 Required is 85 Borrower has 64.52 |  | xxxxxx HOA bill for property located at xxxxxx., UNIT xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862816 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 13:52 | 2026-03-10 13:52 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-03/10/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-03/10/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 8.31 Required is 50 Borrower has 8.31<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 792 Required is 660 Borrower has 792<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 64.52 Required is 85 Borrower has 64.52 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 862819 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 14:49 | 2026-04-29 12:28 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/13/2026 <br> Open-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. - Due Diligence Vendor-03/10/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862819 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 10:18 | 2026-03-17 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Client provided HOA statement on subject property - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached the HOA bill for primary home. - Seller-03/13/2026 <br> Open-Provide 3rd party verification of monthly HOA dues for property xxxxxx. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached the HOA bill for primary home. - Seller-03/13/2026<br>| Resolved-Client provided HOA statement on subject property - Due Diligence Vendor-03/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  | xxxxxx current Primary home HOA Statement - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862819 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 10:30 | 2026-03-17 11:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided property detail reflecting borrower is an owner of subject property - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Lender notes the Mortgage tied to primary home is not in borrower's name, not on credit, Borrower's primary is rent free and a rent free letter is not required due to borrower is on title only - Seller-03/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide satisfactory 12-month mortgage history for primary residence. Additional conditions may apply. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Lender notes the Mortgage tied to primary home is not in borrower's name, not on credit, Borrower's primary is rent free and a rent free letter is not required due to borrower is on title only - Seller-03/13/2026<br>| Resolved-Client provided property detail reflecting borrower is an owner of subject property - Due Diligence Vendor-03/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  | xxxxxx PRIMARY on title only xxxxxx PL_mortgage statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862819 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 07:03 | 2026-03-16 14:38 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Rec'd homeownership counseling organizations disclosure issued xxxxxx. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Homeownership counseling organizations disclosure - Seller-03/13/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. Non Curable finding. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached xxxxxx Homeownership counseling organizations disclosure - Seller-03/13/2026 | Resolved-Rec'd homeownership counseling organizations disclosure issued xxxxxx. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  | xxxxxx 1.30 Home-Ownership Counseling Acknowledgment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862819 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 06:52 | 2026-03-11 07:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862819 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 14:08 | 2026-03-11 06:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862820 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 08:10 | 2026-03-16 12:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 709 Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - Max DTI is 45 Borrower has 38.19 Required is 45 Borrower has 38.19 |  | xxxxxx Homeownership Counseling Disclosure.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862820 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:31 | 2026-03-16 09:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description from the Deed of Trust (Mortgage). - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 709 Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - Max DTI is 45 Borrower has 38.19 Required is 45 Borrower has 38.19 |  | xxxxxx DOT w Legal.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 08:54 | 2026-03-12 08:14 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received exception to all for use of business funds resulting in sufficient funds to close. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-We respectfully disagree. The delivered loan file included xxxxxx in verified assets. The loan required xxxxxx funds to close. The borrower is not short cash to close. - Seller-03/10/2026 <br> Open-Borrower is short cash to close. - Due Diligence Vendor-03/10/2026 | Ready for Review-We respectfully disagree. The delivered loan file included xxxxxx in verified assets. The loan required xxxxxx funds to close. The borrower is not short cash to close. - Seller-03/10/2026 | Resolved-Received exception to all for use of business funds resulting in sufficient funds to close. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 16:01 | 2026-03-12 08:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received exception to allow use of business funds resulting is sufficient reserves. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Condition added. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2026<br>| Resolved-Received exception to allow use of business funds resulting is sufficient reserves. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  | xxxxxx Exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 15:49 | 2026-03-12 08:10 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Originator exception applied to non material finding with comp factors. - Due Diligence Vendor-03/12/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Assets used towards reserves are in the name of business and per Matrix are not eligible. Provide additional eligible asset to meet reserve requirements. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/10/2026<br>| Waived-Originator exception applied to non material finding with comp factors. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 | 21 month reserves, 808 fico | xxxxxx Exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 08:45 | 2026-03-11 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Client provided Operating Agreement and recent business search - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. The borrower is self employed. See attached verification online completed on xxxxxx. - Seller-03/10/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. The borrower is self employed. See attached verification online completed on xxxxxx. - Seller-03/10/2026 | Resolved-Client provided Operating Agreement and recent business search - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  | xxxxxx VOE Self Employment.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 10:26 | 2026-03-11 08:10 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeowner's counseling within 3 days of application. finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. DISAGREE- PROVIDED WITHIN 3 DAYS. NOT REQUIRED TO BE SIGNED - Seller-03/10/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. DISAGREE- PROVIDED WITHIN 3 DAYS. NOT REQUIRED TO BE SIGNED - Seller-03/10/2026<br>| Resolved-Received Homeowner's counseling within 3 days of application. finding Resolved. - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  | Home-Ownership Counseling Acknowledgment.pdf<br> APP DATE IS xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 08:28 | 2026-03-06 14:25 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/06/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862821 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 08:28 | 2026-03-06 10:39 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 69.81 Required is 80 Borrower has 69.81<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862837 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 18:24 | 2026-03-18 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received asset utilization calculation worksheet. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Asset Qualify income calculation. - Seller-03/17/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the lender incopme worksheet for both borrower. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached Asset Qualify income calculation. - Seller-03/17/2026<br>| Resolved-Received asset utilization calculation worksheet. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.51<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.62 |  | xxxxxx Statements xxxxxx - Q4 Statement.pdf<br> xxxxxx Statements xxxxxx - Q4 Statement.pdf<br> xxxxxx Assets Qualify calc.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862837 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 14:03 | 2026-03-18 10:29 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached CD with xxxxxx disbursement date - Seller-03/17/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached CD with xxxxxx disbursement date - Seller-03/17/2026 | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.51<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.62 |  | xxxxxx FINAL Closing Disclosure PCCD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862837 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 13:02 | 2026-03-11 14:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Homeownership Counseling list in file is dated 03/03/2026 and not provided to borrower within three days of application date of xxxxxx. Finding not curable. - Due Diligence Vendor-03/11/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Homeownership Counseling list in file is dated 03/03/2026 and not provided to borrower within three days of application date of xxxxxx. Finding not curable. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.51<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.62 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 862839 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862843 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 08:36 | 2026-03-16 12:21 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Appraisal is Missing A full appraisal with a complete inspection of the home, including the interior and exterior of the subject property and including color photographs, requires a Uniform Residential Appraisal Report – xxxxxx®/xxxxxx Forms 1004/70. The required appraisal report is missing from the file and must be provided. Subject to additional conditions. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Received appraisal - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.1 |  | xxxxxx Appraisal.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862843 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 14:48 | 2026-03-16 12:14 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeowners Counseling with in 3 days of application. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ------Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Received Homeowners Counseling with in 3 days of application. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.1 |  | xxxxxx Homeownership Counseling Disclosure.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862843 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 14:34 | 2026-03-10 14:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non- material findings - Due Diligence Vendor-03/10/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non- material findings - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.1 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862843 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 14:34 | 2026-03-10 14:34 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.1 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 862844 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 11:48 | 2026-03-16 10:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. uploaded - Seller-03/13/2026 <br> Open-Homeownership Counseling Disclosure Is Missing ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. uploaded - Seller-03/13/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.07 Required is 50 Borrower has 30.07<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.69 Required is 80 Borrower has 74.69 |  | Home-Ownership Counseling Acknowledgment.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862851 | xxxxxx C B A | Closed | xxxxxx | 2026-03-16 18:27 | 2026-03-20 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Upon further review, documentation is sufficient. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Counter-Please provide a Lender attestation regarding this policy. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-03/17/2026 <br> Open-The information on the Condo Questionnaire and the Appraisal does not match. Provide corrections. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Ready for Review-Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-03/17/2026 | Resolved-Upon further review, documentation is sufficient. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 716 Required is 620 Borrower has 716<br>LTV is less than guideline maximum - Max LTV is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.33 Required is 50.49 Borrower has 42.33 |  | xxxxxx Lender Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862851 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-18 12:49 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. This is a NONQM loan. ATR/QM alerts are allowed. Please clear - Seller-03/17/2026 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 3 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx but at least xxxxxx, and the transaction's total points and fees is xxxxxx, which exceeds xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds 8 percent of the total loan amount of xxxxxx. ----- Non-Qm. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. This is a NONQM loan. ATR/QM alerts are allowed. Please clear - Seller-03/17/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 716 Required is 620 Borrower has 716<br>LTV is less than guideline maximum - Max LTV is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.33 Required is 50.49 Borrower has 42.33 |  | NONQM.pdf.pdf<br>xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862851 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-18 12:49 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. THIS IS A NONQM LOAN - PLEASE CLEAR - Seller-03/17/2026 <br> Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 7.642%. The APR threshold to qualify for a safe harbor is 7.480%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. ----- Non-Qm. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. THIS IS A NONQM LOAN - PLEASE CLEAR - Seller-03/17/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 716 Required is 620 Borrower has 716<br>LTV is less than guideline maximum - Max LTV is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.33 Required is 50.49 Borrower has 42.33 |  | NONQM.pdf.pdf<br>xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862851 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-18 12:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. THIS IS A NONQM LOAN- ATR/QM IS ALLOWED - Seller-03/17/2026 <br> Open-This loan failed the QM points and fees test. (xxxxxx Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. ----- Non-Qm. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. THIS IS A NONQM LOAN- ATR/QM IS ALLOWED - Seller-03/17/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 716 Required is 620 Borrower has 716<br>LTV is less than guideline maximum - Max LTV is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.33 Required is 50.49 Borrower has 42.33 |  | NONQM.pdf.pdf<br>xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862851 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-18 12:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (xxxxxx public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. THIS IS A NONQM LOAN- ATR/QM IS ALLOWED- PLEASE CLEAR - Seller-03/17/2026 <br> Open-This loan failed the QM points and fees test. (xxxxxx Announcement 2013-06)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to xxxxxx. ----- Non-Qm. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. THIS IS A NONQM LOAN- ATR/QM IS ALLOWED- PLEASE CLEAR - Seller-03/17/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 716 Required is 620 Borrower has 716<br>LTV is less than guideline maximum - Max LTV is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.33 Required is 50.49 Borrower has 42.33 |  | NONQM.pdf.pdf<br>xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862851 | xxxxxx C B A | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-18 09:29 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-This loan has impounds and an appraisal. HPML is allowed- please clear - Seller-03/17/2026 <br> Open-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. Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/13/2026 | Ready for Review-This loan has impounds and an appraisal. HPML is allowed- please clear - Seller-03/17/2026<br>| Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Borrower has 716 Required is 620 Borrower has 716<br>LTV is less than guideline maximum - Max LTV is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 42.33 Required is 50.49 Borrower has 42.33 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862853 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-12 10:44 | 2026-03-17 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. with all Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-03/16/2026 <br> Counter-Received Fraud Report. Missing xxxxxx. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-03/13/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing the appraiser and the appraisal company. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. please see attached - Seller-03/16/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-03/13/2026<br>| Resolved-Received Fraud report. with all Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - Veriified reserves equal 11.08 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | xxxxxx DataVerify.pdf<br> xxxxxx updated DataVerify.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862853 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 13:45 | 2026-03-16 12:17 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeowners Counseling within 3 days of application. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/13/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. Non Curable finding. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/13/2026<br>| Resolved-Received Homeowners Counseling within 3 days of application. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Months Reserves exceed minimum required - Veriified reserves equal 11.08 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | xxxxxx 2.9 Home-Ownership Counseling Acknowledgment.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862853 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 10:06 | 2026-03-16 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower paystub dated pay period that immediately proceeds note date meeting guideline requirements. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Lender requires YTD Paystub dated within 30 days of the Note OR xxxxxx to complete a Verbal VVOE within 10 days of note date. Please see attached Paystub dated 2.27.2026 and Notes closed xxxxxx, does suffice. - Seller-03/13/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing the verbal verification of employment for borrower 2. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Lender requires YTD Paystub dated within 30 days of the Note OR xxxxxx to complete a Verbal VVOE within 10 days of note date. Please see attached Paystub dated 2.27.2026 and Notes closed xxxxxx, does suffice. - Seller-03/13/2026 | Resolved-Received Borrower paystub dated pay period that immediately proceeds note date meeting guideline requirements. - Due Diligence Vendor-03/16/2026<br>| Months Reserves exceed minimum required - Veriified reserves equal 11.08 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | xxxxxx less than 30 dyas Paystub B2.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862853 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-11 09:13 | 2026-03-16 11:47 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal received - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/13/2026 <br> Open-Appraisal is Missing Missing the full appraisal completed by xxxxxx with an effective date of xxxxxxand an appraised value of xxxxxx. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/13/2026<br>| Resolved-Appraisal received - Due Diligence Vendor-03/16/2026<br>| Months Reserves exceed minimum required - Veriified reserves equal 11.08 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | xxxxxx Appraisal report.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862853 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 13:33 | 2026-03-16 11:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description attached to the mortgage. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/13/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/16/2026<br>| Months Reserves exceed minimum required - Veriified reserves equal 11.08 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | xxxxxx MTG DOT Legal.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862853 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-10 13:38 | 2026-03-10 13:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 | Months Reserves exceed minimum required - Veriified reserves equal 11.08 months, guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862855 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 11:44 | 2026-03-11 08:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached the disclosure forms sent and signed on xxxxxx, meets the within 3 day requirement from application date of xxxxxx - Seller-03/10/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached the disclosure forms sent and signed on xxxxxx, meets the within 3 day requirement from application date of xxxxxx - Seller-03/10/2026 | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 793 Required is 700 Borrower has 793<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 39.58 Required is 50 Borrower has 39.58<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx Home-Ownership Counseling Acknowledgment.pdf<br> xxxxxx dislcousure LOS tracking .png | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 21:05 | 2026-03-20 14:13 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received corrected condo warranty 1008 type S not xxxxxx - Due Diligence Vendor-03/20/2026 <br> Ready for Review-xxxxxx is not a xxxxxx as noted on the PC 1008. - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - Condo is warrantable. - Seller-03/19/2026 <br> Open-The Project has been submitted as a xxxxxx per 1008 - Due Diligence Vendor-03/17/2026 | Ready for Review-xxxxxx is not a xxxxxx as noted on the PC 1008. - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - Condo is warrantable. - Seller-03/19/2026 | Resolved-Received corrected condo warranty 1008 type S not condohotel - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx PC 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 18:29 | 2026-03-20 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received corrected 1008 reflecting warrantable condo - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - UW attesting to warrantable condo. - Seller-03/19/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - UW attesting to warrantable condo. - Seller-03/19/2026<br>| Resolved-Received corrected 1008 reflecting warrantable condo - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx PC 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-14 20:39 | 2026-03-20 11:47 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. DISAGREE- A CD WAS NOT ISSUED ON xxxxxx. A CD WAS ISSUED ON xxxxxx AND xxxxxx. THERE WAS NO CHANGE TO THE APR TO WARRANT A NEW 3 DAY WAIT PERIOD. THE BORROWER ONLY HAS TO SIGN THE FINAL CD - Seller-03/18/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. (Apr decreased from Initial Cd to Final Cd) - Due Diligence Vendor-03/15/2026 | Ready for Review-Document Uploaded. DISAGREE- A CD WAS NOT ISSUED ON 3/10. A CD WAS ISSUED ON xxxxxx AND xxxxxx. THERE WAS NO CHANGE TO THE APR TO WARRANT A NEW 3 DAY WAIT PERIOD. THE BORROWER ONLY HAS TO SIGN THE FINAL CD - Seller-03/18/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | CD REBUTAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 06:52 | 2026-03-20 11:44 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026 <br> Open-Missing e-Consent. -----Missing e-consent - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/18/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | eConsent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 18:25 | 2026-03-19 17:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached personal tax returns for 2024. Please clear this finding. - Seller-03/18/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing personal tax returns for 2024 - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached personal tax returns for 2024. Please clear this finding. - Seller-03/18/2026<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx Individual Income Tax return 2024 1040.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 20:17 | 2026-03-19 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated transaction history provided and evidence of EMD. Borrower meets reserves. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see the attached xxxxxx Bank Statement #xxxxxx, which verifies the borrower's Earnest Money Deposit (EMD) of $5,000 and an ending account balance of $86,396.93. Also, please see the attached funds to close worksheet.<br> The calculated total cash to close (CTC) is $60,098.24, with guideline required reserves of $12,191.40, resulting in a total required of $72,289.64. Verified assets of $86,396.93 exceed the total required amount. Based on these verified assets, the borrower has 12.94 months of reserves, exceeding the guideline requirement of 6 months.<br> Accordingly, the previous finding of a reserve shortfall is invalid. We request this finding be cleared up or escalate to management.<br> - Seller-03/18/2026 <br> Open-Audited Reserves of 4.44 month(s) are less than Guideline Required Reserves of 6 month(s) Provide Clearance of EMD in the amount of $5,000 to offset the shortage of the Funds. Audited Reserves of 4.44 month(s) are less than Guideline Required Reserves of 6 month(s); -$3,406.64. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see the attached xxxxxx Bank Statement xxxxxx, which verifies the borrower's Earnest Money Deposit (EMD) of $5,000 and an ending account balance of $86,396.93. Also, please see the attached funds to close worksheet.<br> The calculated total cash to close (CTC) is $60,098.24, with guideline required reserves of $12,191.40, resulting in a total required of $72,289.64. Verified assets of $86,396.93 exceed the total required amount. Based on these verified assets, the borrower has 12.94 months of reserves, exceeding the guideline requirement of 6 months.<br> Accordingly, the previous finding of a reserve shortfall is invalid. We request this finding be cleared up or escalate to management.<br> - Seller-03/18/2026 | Resolved-Updated transaction history provided and evidence of EMD. Borrower meets reserves. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx xxxxxx xxxxxx Feb Statement showing $5K EMD and ending balance of $86,396.63.pdf<br> xxxxxx Funds to Close Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 18:20 | 2026-03-19 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-2024 tax returns was provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Please see attached Personal Tax returns for 2024. Please clear this finding or escalate to management. - Seller-03/18/2026 <br> Open-Borrower 1 Personal Tax Returns Missing for 2024 - Due Diligence Vendor-03/17/2026 | Ready for Review-Please see attached Personal Tax returns for 2024. Please clear this finding or escalate to management. - Seller-03/18/2026<br>| Resolved-2024 tax returns was provided. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 18:21 | 2026-03-19 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR was provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found - Seller-03/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found - Seller-03/18/2026<br>| Resolved-VOR was provided. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 20:19 | 2026-03-19 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-xxxxxx Business search was provided with the business showing as active. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Business search for xxxxxx run 2-25-26 which is within 10 days of closing date of xxxxxx and this was uploaded to your system. Please clear this finding or escalate to management. - Seller-03/18/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide missing Self Employed VVOE. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached xxxxxx Business search for xxxxxx run 2-25-26 which is within 10 days of closing date of xxxxxx and this was uploaded to your system. Please clear this finding or escalate to management. - Seller-03/18/2026 | Resolved-xxxxxx Business search was provided with the business showing as active. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx run 2-25-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862857 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 19:08 | 2026-03-19 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document was provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached Title Commitment with 24 months chain of title. Please clear this finding or escalate to management. - Seller-03/18/2026 <br> Open-Title Document is missing Provide Missing title. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached Title Commitment with 24 months chain of title. Please clear this finding or escalate to management. - Seller-03/18/2026<br>| Resolved-Title Document was provided. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.9<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80 |  | xxxxxx Title Commitment with 24 mos chain of title..pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862861 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862863 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 07:59 | 2026-03-18 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Client provided CPA letter which is dated within 60 days of Note date - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. The borrower is self-employed. The delivered loan file included the attached CPA letter as required per guidelines which states "in addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the Note date. Acceptable methods of business verification include; CPA Verification". - Seller-03/17/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of self employment. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. The borrower is self-employed. The delivered loan file included the attached CPA letter as required per guidelines which states "in addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the Note date. Acceptable methods of business verification include; CPA Verification". - Seller-03/17/2026<br>| Resolved-Client provided CPA letter which is dated within 60 days of Note date - Due Diligence Vendor-03/18/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual $20,584.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 797 |  | xxxxxx CPA letter.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862863 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 07:17 | 2026-03-18 11:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please refer to the attached email, delivered with the loan file, from the insurance agent confirming the property has 100% replacement cost coverage. - Seller-03/17/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Primary appraisal, cost new xxxxxx - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please refer to the attached email, delivered with the loan file, from the insurance agent confirming the property has 100% replacement cost coverage. - Seller-03/17/2026<br>| Resolved-Received HOI. - Due Diligence Vendor-03/18/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual $20,584.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 797 |  | xxxxxx HOI.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862863 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 05:29 | 2026-03-18 11:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided VOR which confirms housing history. Guideline Requirements Met - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing satisfactory 12 month rental history. Borrower living at primary residence for 4 years paying $5,600 monthly. Subject to additional conditions. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/17/2026<br>| Resolved-Client provided VOR which confirms housing history. Guideline Requirements Met - Due Diligence Vendor-03/18/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual $20,584.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 797 |  | xxxxxx VOR.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862870 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 10:58 | 2026-03-17 11:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided leases and 12 months of rent checks. Housing History Meets Guideline Requirements - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached 12 month verified payments - Seller-03/13/2026 <br> Open-Missing verification of rent, without borrower does not meet requirements for FTHB without Rental History max LTV of 80% $1.5M - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Please see attached 12 month verified payments - Seller-03/13/2026<br>| Resolved-Client provided leases and 12 months of rent checks. Housing History Meets Guideline Requirements - Due Diligence Vendor-03/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 767<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.34 |  | xxxxxx Rents paid - Lease with the checks.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862870 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 12:55 | 2026-03-16 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Rec'd Homeownership Counseling Disclosure with CFPB website. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached signed Homeownership Counseling Disclosure - Seller-03/13/2026 <br> Open-Homeownership Counseling Disclosure Is Missing ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached signed Homeownership Counseling Disclosure - Seller-03/13/2026<br>| Resolved-Rec'd Homeownership Counseling Disclosure with CFPB website. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 767<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.34 |  | xxxxxx Disclosure tracking LOS data .png<br> xxxxxx Home-Ownership Counseling Acknowledgment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862872 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 14:22 | 2026-05-01 15:08 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/13/2026 <br> Open-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. - Due Diligence Vendor-03/10/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/13/2026 | Months Reserves exceed minimum required - Min 3, actual 25.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.08 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862872 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 18:18 | 2026-03-24 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. For the two inquiries dated 02/11/2026, these correspond to xxxxxx and xxxxxx. xxxxxx is the credit reporting agency, and xxxxxx is the borrower's mortgage broker. These inquiries were generated as part of the mortgage credit reporting process and are not related to the opening of any new credit accounts.<br> Regarding the inquiries dated 02/07/2026 for xxxxxx / xxxxxx and xxxxxx, a Letter of Explanation has already been provided and uploaded to your system. The letter clearly states that these inquiries were related to mortgage financing and/or real estate transactions, and that no new credit accounts were opened as a result.<br> Given that all referenced inquiries are mortgage-related and do not represent new or undisclosed debt, we respectfully request that this finding be cleared up or escalate to management.<br> - Seller-03/20/2026 <br> Counter-Received snip of xxxxxx. Credit report also documented the following inquiries: 2/11 xxxxxx; 2/7 xxxxxx, and 2/7 xxxxxx. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. You're finding that a Letter of Explanation (LOX) is required for two credit inquiries dated 02/11/2026 is not required for these 2 inquiries. <br> Both inquiries were generated as part of the mortgage credit reporting process when the borrower's credit information was accessed by a credit reporting agency and a mortgage broker prior to the file being submitted to xxxxxx. These are standard mortgage-related inquiries used for credit information services and are not associated with the opening of new credit accounts.<br> Additionally, the credit report dated 02/11/2026 (attached) reflects that the inquiries occurred in connection with mortgage credit review activity. Since these inquiries were related to the mortgage application process and not to new debt or credit obligations, a borrower explanation should not be necessary.<br> Based on this information, please clear this condition as the inquiries are valid and typical within the mortgage credit reporting process. Please clear this finding. <br>- Seller-03/12/2026 <br> Open-LOX for credit inquiries is missing. Missing inquiry LOX for two inquiries. LOX in file; however, the letter does not address the two inquiries from 2/11/26 - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. For the two inquiries dated 02/11/2026, these correspond to xxxxxx and xxxxxx. xxxxxx is the credit reporting agency, and xxxxxx is the borrower's mortgage broker. These inquiries were generated as part of the mortgage credit reporting process and are not related to the opening of any new credit accounts.<br> Regarding the inquiries dated 02/07/2026 for xxxxxx / xxxxxx and xxxxxx, a Letter of Explanation has already been provided and uploaded to your system. The letter clearly states that these inquiries were related to mortgage financing and/or real estate transactions, and that no new credit accounts were opened as a result.<br> Given that all referenced inquiries are mortgage-related and do not represent new or undisclosed debt, we respectfully request that this finding be cleared up or escalate to management.<br> - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. You're finding that a Letter of Explanation (LOX) is required for two credit inquiries dated 02/11/2026 is not required for these 2 inquiries. <br> Both inquiries were generated as part of the mortgage credit reporting process when the borrower's credit information was accessed by a credit reporting agency and a mortgage broker prior to the file being submitted to xxxxxx. These are standard mortgage-related inquiries used for credit information services and are not associated with the opening of new credit accounts.<br> Additionally, the credit report dated 02/11/2026 (attached) reflects that the inquiries occurred in connection with mortgage credit review activity. Since these inquiries were related to the mortgage application process and not to new debt or credit obligations, a borrower explanation should not be necessary.<br> Based on this information, please clear this condition as the inquiries are valid and typical within the mortgage credit reporting process. Please clear this finding. <br>- Seller-03/12/2026 | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-03/24/2026 | Months Reserves exceed minimum required - Min 3, actual 25.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.08 |  | xxxxxx Credit Inquiry 2-11-26.pdf<br> xxxxxx LOE Credit Inquiries.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862872 | xxxxxx C B A | Closed | xxxxxx | 2026-03-10 11:49 | 2026-03-10 15:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 | Months Reserves exceed minimum required - Min 3, actual 25.47<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.08 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862875 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862878 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-17 15:45 | 2026-03-19 13:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received housing history. ATR-QM status updated. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/18/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Missing a letter from a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney and must attest that they have reviewed the business financial statements or working papers provided by the borrower. (Must coincide with P&L and license validation credentials located in the file)<br> 2. Missing a letter from a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney and must attest that they have reviewed the business financial statements or working papers provided by the borrower. (Must coincide with P&L and license validation credentials located in the file) - Due Diligence Vendor-03/17/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/18/2026<br>| Resolved-Received housing history. ATR-QM status updated. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 28.77 Required is 50 Borrower has 28.86<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 740 Required is 700 Borrower has 740 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862878 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 16:30 | 2026-03-19 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-xxxxxx letter provided with verified credentials. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br> Open-Borrower 1 CPA Letter Missing Missing a letter from a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, PTIN, or a Tax Attorney and must attest that they have reviewed the business financial statements or working papers provided by the borrower. (Must coincide with P&L and license validation credentials located in the file) - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-xxxxxx letter provided with verified credentials. - Due Diligence Vendor-03/19/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 28.77 Required is 50 Borrower has 28.86<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 740 Required is 700 Borrower has 740 |  | xxxxxx xxxxxx xxxxxx letter.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862878 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-16 16:37 | 2026-03-19 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing copy of both a lease and additional 11 months bank statements (only the Feb 2026 statement was provided) showing payments withdrawn supporting no more than 1x30x12 - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 28.77 Required is 50 Borrower has 28.86<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 740 Required is 700 Borrower has 740 |  | xxxxxx xxxxxx VOR.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862878 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-19 12:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC with explanation, Finding resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. REBUTAL/LOE UPDATED PER xxxxxx - Seller-03/19/2026 <br> Counter-Still need a COC for the additional fee on the final CD. Finding Remains. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED EXPLANAITON - Seller-03/18/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $175.00 (Document Redraw 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 $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. REBUTAL/LOE UPDATED PER CHAUNTEL - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHED EXPLANAITON - Seller-03/18/2026<br>| Resolved-Received COC with explanation, Finding resolved. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 28.77 Required is 50 Borrower has 28.86<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 740 Required is 700 Borrower has 740 |  | xxxxxx FEE.pdf.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862878 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-13 14:26 | 2026-03-19 12:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. THE RECORDING FEES WERE DISCLOSED AT $406 ON THE INTIAL LE, THE SUBSEQUENT LE & THE CD ISSUED xxxxxx. THE FEE WAS INCREASED TO $475 ON THE INITAL CD AND A CURE WAS DONE FOR $28.40. SEE ATTACHED AND RE-REVIEW - Seller-03/18/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($475.00) exceed the comparable charges ($406.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fees) increased by $475.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $406.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. THE RECORDING FEES WERE DISCLOSED AT $406 ON THE INTIAL LE, THE SUBSEQUENT LE & THE CD ISSUED xxxxxx. THE FEE WAS INCREASED TO $475 ON THE INITAL CD AND A CURE WAS DONE FOR $28.40. SEE ATTACHED AND RE-REVIEW - Seller-03/18/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 28.77 Required is 50 Borrower has 28.86<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 740 Required is 700 Borrower has 740 |  | CURE.pdf<br> CURE CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862878 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-13 13:21 | 2026-03-13 22:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/13/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 28.77 Required is 50 Borrower has 28.86<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 740 Required is 700 Borrower has 740 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862882 | xxxxxx D A C | Closed | xxxxxx | 2026-03-06 16:57 | 2026-03-13 10:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with a disbursement date after the ROR expiration date, finding resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-03/12/2026 <br> Counter-Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. RESCISSION REOPENED - Seller-03/11/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----The Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-03/12/2026 <br>Ready for Review-Document Uploaded. RESCISSION REOPENED - Seller-03/11/2026<br>| Resolved-Received PCCD with a disbursement date after the ROR expiration date, finding resolved. - Due Diligence Vendor-03/13/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 44.16 Required is 85 Borrower has 44.16<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.99 Required is 50 Borrower has 37.99 |  | 2026-03-11T20_42_54-xxxxxx-Shipping-Label.pdf<br> xxxxxx.pdf<br> NRTC LOE.pdf<br> CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862882 | xxxxxx D A C | Closed | xxxxxx | 2026-03-06 15:35 | 2026-03-12 08:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. PROVIDED - Seller-03/11/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. PROVIDED - Seller-03/11/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 44.16 Required is 85 Borrower has 44.16<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.99 Required is 50 Borrower has 37.99 |  | Home-Ownership Counseling Acknowledgment.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862882 | xxxxxx D A C | Closed | xxxxxx | 2026-03-08 11:29 | 2026-03-12 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received acknowledgement borrower received at closing. Finding Resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. DISAGREE - Seller-03/11/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxxFirst Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Revised CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/08/2026 | Ready for Review-Document Uploaded. DISAGREE - Seller-03/11/2026<br>| Resolved-Received acknowledgement borrower received at closing. Finding Resolved. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 44.16 Required is 85 Borrower has 44.16<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.99 Required is 50 Borrower has 37.99 |  | Revised CD issued.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862882 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 14:12 | 2026-03-11 10:54 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review, Non-QM - Full/Lite Doc - Max cash back of the greater of 1% of the new loan amount or $2,000<br> - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Per guideline requirements, the maximum allowable cash back to the borrower is the greater of 1% of the new loan amount or $2,000.<br>The new loan amount for this transaction is xxxxxx. One percent (1%) of the new loan amount equals xxxxxx.<br>The Closing Disclosure reflects borrower cash back in the amount of xxxxxx, which is less than the allowable limit of xxxxxx. Therefore, the cash back amount is within guideline limits.<br>Based on the calculation above and the guideline requirement using the greater threshold, the cash back amount complies with program requirements. Please clear this inapplicable finding. - Seller-03/11/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements . Max cash back of the greater of 1% of the new loan amount or $2,000. Per CD cashback of xxxxxx exceeds the max allowed. - Due Diligence Vendor-03/10/2026 | Ready for Review-Per guideline requirements, the maximum allowable cash back to the borrower is the greater of 1% of the new loan amount or $2,000.<br>The new loan amount for this transaction is xxxxxx. One percent (1%) of the new loan amount equals $19,300.<br>The Closing Disclosure reflects borrower cash back in the amount of $13,578.51, which is less than the allowable limit of $19,300. Therefore, the cash back amount is within guideline limits.<br>Based on the calculation above and the guideline requirement using the greater threshold, the cash back amount complies with program requirements. Please clear this inapplicable finding. - Seller-03/11/2026 | Resolved-Upon further review, Non-QM - Full/Lite Doc - Max cash back of the greater of 1% of the new loan amount or $2,000<br> - Due Diligence Vendor-03/11/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 44.16 Required is 85 Borrower has 44.16<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.99 Required is 50 Borrower has 37.99 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862883 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862884 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 13:33 | 2026-03-20 11:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Missing e-Consent. provide e-consent for transaction. Document in file is dated xxxxxx - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| LTV is less than guideline maximum - Max LTV is 85 Borrower has 79.13 Required is 85 Borrower has 79.13<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 24.51 Required is 50 Borrower has 24.51<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 742 Required is 680 Borrower has 742 |  | xxxxxx eConsent.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862888 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862890 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 11:44 | 2026-03-16 10:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. uploaded - Seller-03/13/2026 <br> Counter-Still waiting on correct document. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Please discard my comments this was supposed to go to housing history. - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found. Please clear this finding. - Seller-03/12/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Provide HC disclosure. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. uploaded - Seller-03/13/2026 <br>Ready for Review-Please discard my comments this was supposed to go to housing history. - Seller-03/12/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found. Please clear this finding. - Seller-03/12/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 26.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |  | xxxxxx xxxxxx VOR.pdf<br> Home-Ownership Counseling Acknowledgment.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862890 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 14:42 | 2026-03-13 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided VOR. Housing History Meets Guideline Requirements - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found. Please clear this finding. - Seller-03/12/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 month satisfactory rental history for borrowers' primary residence. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. No issues found. Please clear this finding. - Seller-03/12/2026<br>| Resolved-Client provided VOR. Housing History Meets Guideline Requirements - Due Diligence Vendor-03/13/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 26.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |  | xxxxxx xxxxxx VOR.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862890 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 11:44 | 2026-03-10 12:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/10/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/10/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 26.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862891 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 10:00 | 2026-03-19 14:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow FICO of 663 is less than Guideline FICO of 680. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a 663 FICO - Seller-03/18/2026 <br> Open-Audited FICO of 663 is less than Guideline FICO of 680 Minimum FICO required per rural property overlay is 680. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a 663 FICO - Seller-03/18/2026<br>| Waived-Originator exception granted to allow FICO of 663 is less than Guideline FICO of 680. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026<br>| Long term residence - Borrower lived at departing residence for 3 years.<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.81 | DTI if 5% Less than Max allowed <br> 5+ years in current employment <br> Residual Income =/> 1.5 times $3,500 monthly residual income <br> Reserves 3+ months above minimum required | xxxxxx_May Exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862891 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 10:00 | 2026-03-19 14:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow an LTV of 85% exceeds Guideline LTV of 80%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a 85% LTV - Seller-03/18/2026 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Rural property Max LTV/CLTV is 80% - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a 85% LTV - Seller-03/18/2026<br>| Waived-Originator exception granted to allow an LTV of 85% exceeds Guideline LTV of 80%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/19/2026<br>| Long term residence - Borrower lived at departing residence for 3 years.<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.81 | DTI if 5% Less than Max allowed <br> 5+ years in current employment <br> Residual Income =/> 1.5 times $3,500 monthly residual income <br> Reserves 3+ months above minimum required | xxxxxx_May Exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862891 | xxxxxx D B A | Closed | xxxxxx | 2026-03-13 18:45 | 2026-03-18 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Review of loan file confirmed 2024 returns and transcripts to support CPA letter. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-CPA letter refers to 2024 and 2025 which is 2 years. Please clear this finding. - Seller-03/17/2026 <br> Counter-Received CPA letter. CPA only confirmed 1 yr of self employment. Unable to confirm borrower self employed for at least 24 months. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026 <br> Open-Borrower 1 CPA Letter Missing Missing required verification of self-employment for Borrower. The CPA letter to verify the current existence of the Borrower's business within 60 days of the note date was not provided. - Due Diligence Vendor-03/13/2026 | Ready for Review-CPA letter refers to 2024 and 2025 which is 2 years. Please clear this finding. - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026<br>| Resolved-Review of loan file confirmed 2024 returns and transcripts to support CPA letter. - Due Diligence Vendor-03/18/2026<br>| Long term residence - Borrower lived at departing residence for 3 years.<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.81 |  | xxxxxx May CPA letter.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862891 | xxxxxx D B A | Closed | xxxxxx | 2026-03-12 11:55 | 2026-03-18 10:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Received xxxxxx Right To Choose Attorney issued xxxxxx. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File Right to Choose Attorney preference disclosure is not in file, please provide - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026<br>| Resolved-Received xxxxxx Right To Choose Attorney issued xxxxxx. - Due Diligence Vendor-03/16/2026 | Long term residence - Borrower lived at departing residence for 3 years.<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.81 |  | xxxxxx May Right To Choose Attorney.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862891 | xxxxxx D B A | Closed | xxxxxx | 2026-03-12 11:55 | 2026-03-18 10:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-uploaded - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026 <br> Open-Missing e-Consent. -----E-consent is not in file. - Due Diligence Vendor-03/12/2026 | Ready for Review-uploaded - Seller-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Long term residence - Borrower lived at departing residence for 3 years.<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.81 |  | xxxxxx May eConsent.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862891 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 09:09 | 2026-03-17 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide VOR or 12 months cancelled checks for borrower's departing residence. Final 1003 reflects the borrower has been renting for 3 years with a rent payment of $2600. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/16/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-03/17/2026<br>| Long term residence - Borrower lived at departing residence for 3 years.<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 39.81 |  | xxxxxx May VOR.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862894 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 08:24 | 2026-03-16 09:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Cd dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. DISAGREE- INITAL CD SENT ON xxxxxx AND FINAL CD SENT ON xxxxxx- THERE WAS NO APR INCREASE 7.174% TO 7.168%. THE BORROWER ONLY HAS TO SING THE FINAL CD. THE LOAN CLOSED ON xxxxxx - Seller-03/13/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. DISAGREE- INITAL CD SENT ON xxxxxx AND FINAL CD SENT ON xxxxxx- THERE WAS NO APR INCREASE 7.174% TO 7.168%. THE BORROWER ONLY HAS TO SING THE FINAL CD. THE LOAN CLOSED ON xxxxxx - Seller-03/13/2026 | Resolved-Received Cd dated xxxxxx. Finding Resolved. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - DTI Required is 550.49 Borrower has 16.05 Required is 50.49 Borrower has 16.07<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 735. Required is 700 Borrower has 735 |  | CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862894 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 08:18 | 2026-03-16 09:17 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received CD xxxxxx Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/13/2026 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is xxxxxx. COC xxxxxx is past the 3 day window; Initial CD may Cure this Finding - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/13/2026<br>| Resolved-Received CD xxxxxx Finding Resolved. - Due Diligence Vendor-03/16/2026 | Qualifying DTI below maximum allowed - DTI Required is 550.49 Borrower has 16.05 Required is 50.49 Borrower has 16.07<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 735. Required is 700 Borrower has 735 |  | CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862894 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 09:18 | 2026-03-16 09:10 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026 <br> Open-Missing e-Consent. -----Missing proof the borrower received e-consent document. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/13/2026<br>| Resolved-Received acknowledgement of E Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 550.49 Borrower has 16.05 Required is 50.49 Borrower has 16.07<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 735. Required is 700 Borrower has 735 |  | xxxxxx eConsent.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862903 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-05 15:06 | 2026-03-11 08:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached, application date xxxxxx, initial disclosures sent and borrower signed same day - Seller-03/10/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see attached, application date xxxxxx, initial disclosures sent and borrower signed same day - Seller-03/10/2026 | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/11/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - MIn $1,500, actual $26,237.41<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790 |  | xxxxxx Home-Ownership Counseling Acknowledgment.pdf<br> xxxxxx Disclosure tracking via LOS .png | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862903 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-05 17:25 | 2026-03-10 08:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 6 months reserves vs. 9 months, Non-material waiver applied with comp factors. non-material due to Residual income of $26,237.41 and Fico of 790 - Due Diligence Vendor-03/10/2026 <br> Open-Audited Reserves of 6.1 month(s) are less than Guideline Required Reserves of 9 month(s) Exception request to use 6 months reserves vs. 9 months. Exception approved<br>- Due Diligence Vendor-03/05/2026 |  | Waived-Originator exception granted to allow 6 months reserves vs. 9 months, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/10/2026 | Residual Income =/> 1.5 times $3,500 monthly residual income - MIn $1,500, actual $26,237.41<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790 | fico 20 points above min<br> residual income 3500+ |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862917 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862959 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 09:13 | 2026-04-08 09:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/08/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-04/02/2026 |  | Resolved-Received Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862982 | xxxxxx B A | Closed | xxxxxx | 2026-04-16 11:35 | 2026-04-23 13:08 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry. - Due Diligence Vendor-04/23/2026 <br> Open-LOX for credit inquiries is missing. 1/26/26 and 12/21/25 - Due Diligence Vendor-04/16/2026 |  | Resolved-Upon further review, the loan file contained all required credit inquiry. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.46<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 69.81 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862990 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862995 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862998 | xxxxxx C B A | Closed | xxxxxx | 2026-04-16 09:59 | 2026-04-20 10:38 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/17/2026 <br> Open-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. . - Due Diligence Vendor-04/16/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 818<br>Months Reserves exceed minimum required - Borrower has an additional 110 months of reserves. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862998 | xxxxxx C B A | Closed | xxxxxx | 2026-04-16 09:19 | 2026-04-16 09:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/16/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 818<br>Months Reserves exceed minimum required - Borrower has an additional 110 months of reserves. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863009 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863028 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 11:01 | 2026-04-09 12:16 | 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 HOAs on REOs. - Due Diligence Vendor-04/09/2026 <br> Open-Missing HOA for REO xxxxxx and xxxxxx - Due Diligence Vendor-04/06/2026 |  | Resolved-Received LOE confirming no HOAs on REOs. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - DTI 36.97% max 50%. Required is 50 Borrower has 36.97<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 720 min score 680. Required is 680 Borrower has 720 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863028 | xxxxxx D A | Closed | xxxxxx | 2026-04-06 09:56 | 2026-04-09 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert and confirmation 1.25% considered for assessment. - Due Diligence Vendor-04/09/2026 <br> Open-Missing Evidence of Property Tax Missing tax certificate. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received property tax cert and confirmation 1.25% considered for assessment. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - DTI 36.97% max 50%. Required is 50 Borrower has 36.97<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 720 min score 680. Required is 680 Borrower has 720 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863031 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863039 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 13:51 | 2026-03-24 13:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received assets. ATR/QM status updated. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending Evidence of funds to close and reserves. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received assets. ATR/QM status updated. - Due Diligence Vendor-03/24/2026<br>| Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | GIFT RECEIPT 128k.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863039 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 13:40 | 2026-03-24 13:44 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received title receipt of both gifts. - Due Diligence Vendor-03/24/2026 <br> Counter-Received EMD gift letter and receipt. Missing Proof of receipt of the Gift 128,300.00. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see Gift receipt of 15,000. - Seller-03/23/2026 <br> Counter-Received gift letter for EMD. Please provide title receipt. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please See EMD GIFT - Seller-03/17/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide Evidence of sufficient funds to close missing 15,000 EMD and also Proof of receipt of the Gift 128,300.00. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. xxxxxx Team, Please see Gift receipt of 15,000. - Seller-03/23/2026 <br>Ready for Review-Document Uploaded. Please See EMD GIFT - Seller-03/17/2026<br>| Resolved-Received title receipt of both gifts. - Due Diligence Vendor-03/24/2026<br>| Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | EMD.pdf<br>SEC-TA-Deposit to Escrow EMD $15,000 Unredacted.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863039 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 13:49 | 2026-03-24 13:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Title receipt of gift funds - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please See Gift Receipt - Seller-03/18/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Provide Proof of receipt of the Gift 128,300.00. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please See Gift Receipt - Seller-03/18/2026<br>| Resolved-Received Title receipt of gift funds - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | GIFT RECEIPT 128k.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863039 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 15:56 | 2026-03-19 12:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received gift letter for EMD. Please provide title receipt. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Bororwer receives a refund of 14,450.69 And reserve are met. - Seller-03/17/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Bororwer receives a refund of 14,450.69 And reserve are met. - Seller-03/17/2026<br>| Resolved-Received gift letter for EMD. Please provide title receipt. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | Post_CD_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863039 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 11:39 | 2026-03-19 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD card. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please See Green Card - Seller-03/17/2026 <br> Open-Borrower Citizenship Documentation Is Missing Please provide non Permanent Resident Documentations-Work Permit, etc. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please See Green Card - Seller-03/17/2026<br>| Resolved-Received EAD card. - Due Diligence Vendor-03/19/2026<br>| Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.39<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734 |  | GREENCARD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863044 | xxxxxx B A | Closed | xxxxxx | 2026-03-31 21:48 | 2026-05-01 15:32 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/01/2026 <br> Open-Required Affiliated Business Disclosure Missing. - Due Diligence Vendor-05/01/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.78<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737 |  | ABAD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863047 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863058 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 08:44 | 2026-03-31 18:26 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/31/2026 <br> Open-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. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 669<br>LTV is less than guideline maximum - Required is 75 Borrower has 33.64<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.22 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 863073 | xxxxxx C A | Closed | xxxxxx | 2026-03-24 17:03 | 2026-03-31 09:13 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Field Review from different Appraisal Company and different Appraiser supporting Appraised value. - Due Diligence Vendor-03/31/2026 <br> Counter-Client provided review short form from same appraiser as the secondary valuation. Per GL 1.9.1.3.1 please provide 1 of the following: enhanced desk review, AVM, field review, or second appraisal. If you have a CU with a score of less than 2.5 that will be acceptable as well - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Appraisal Field Review was provided starting pg.51-75 of Appraisal and Field Review upload. Please re-review - Seller-03/26/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. missing Desk Review or xxxxxx CU score 2.5 or less or LCA 2.5 or less. only appraisal was provided. - Due Diligence Vendor-03/24/2026 | Ready for Review-Appraisal Field Review was provided starting pg.51-75 of Appraisal and Field Review upload. Please re-review - Seller-03/26/2026<br>| Resolved-Field Review from different Appraisal Company and different Appraiser supporting Appraised value. - Due Diligence Vendor-03/31/2026<br>| LTV is less than guideline maximum - LTV 80% max 90 Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI 4.44% max 50%. Required is 50 Borrower has 4.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863078 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863086 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 23:07 | 2026-03-18 09:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received settlement statement showing funding xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. see attached final closing statement. We are open for business on Saturday. The xxxxxx was a Tuesday and we disbursed the following Monday on xxxxxx - Seller-03/16/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see attached final closing statement. We are open for business on Saturday. The xxxxxx was a Tuesday and we disbursed the following Monday on xxxxxx - Seller-03/16/2026 | Resolved-Received settlement statement showing funding xxxxxx. Finding Resolved. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 699 Required is 640 Borrower has 699<br>LTV is less than guideline maximum - Required is 80 Borrower has 67.96 Required is 80 Borrower has 67.96 |  | Final Buyer's Closing Statement - xxxxxxT094431.546.PDF | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863086 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 07:02 | 2026-03-10 13:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. see attached copy of the recorded DOT with the legal description. - Seller-03/06/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see attached copy of the recorded DOT with the legal description. - Seller-03/06/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 699 Required is 640 Borrower has 699<br>LTV is less than guideline maximum - Required is 80 Borrower has 67.96 Required is 80 Borrower has 67.96 |  | REC-Document 1 - Deed Of Trust - xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863090 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 17:58 | 2026-04-07 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, added the additional deposits of $50k and $6,250 and $18,000. All other deposits were provided post the most recent statements. Audited Reserves of 7.47 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/07/2026 <br> Ready for Review-It is not clear what you are looking at. We have provided everything to support our reserve calculation. Please escalate to management. xxxxxx - Seller-04/06/2026 <br> Counter-Reviewed assets - $158,559.59 total available assets. The $150k additional deposit was provided post the most recent statements. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-<br> Deposit from xxxxxx: $50,000 (EMD withdrawn from xxxxxx xxxxxxxx on 2/9/2026)<br>Deposit from xxxxxx: $6,250 (EMD withdrawn from xxxxxx xxxxxxxx on 2/9/2026)<br>Deposit from xxxxxx: $18,000<br>Deposit from xxxxxx: $86,600<br>Deposit from xxxxxx: $6,300<br>Deposit from xxxxxx: $39,100<br>Total Cash to Close : $150,000<br>Refund amount on Final settlement statement to be added: $1,190.55 (to be added to reserve total)<br>Reserve requirement: $41,221.95. (3 months) – (Above refund at closing) $1,190.55<br>Remaining reserve requirement: $40,031.40<br>Total Assets Reviewed:<br>xxxxxx xxxxxxxx 2/13 (after EMD withdrawal): $49,787.40<br>xxxxxx: $2,315.33<br>xxxxxx: $10,204.14<br>xxxxxx: $1,274.10<br>xxxxxx xxxxxxxx: $7,743.42<br>xxxxxx xxxxxxxx 2/18 (after EMD withdrawal) : $35,979.95<br>xxxxxx xxxxxxxx 2/12: $86,707.28<br>xxxxxx xxxxxxxx 2/18: $1,319.98<br>xxxxxx 2/18: $3,476.59<br>xxxxxx 1/26: $863.29<br>xxxxxx 2/5: $3,028.22<br>xxxxxx xxxxxxxx 1/20: $362.82<br>Total: $203,062.52<br>Total Review Assets $203,062.52 - $150,000 (case to close) = $53,062.52 (post close reserve) sufficient to meet remaining reserve requirement of $40,031.40) - Seller-03/27/2026 <br> Open-Audited Reserves of 0.71 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/12/2026 | Ready for Review-It is not clear what you are looking at. We have provided everything to support our reserve calculation. Please escalate to management. xxxxxx - Seller-04/06/2026 <br> Ready for Review-<br> Deposit from xxxxxx: $50,000 (EMD withdrawn from xxxxxx xxxxxxxx on 2/9/2026)<br>Deposit from xxxxxx: $6,250 (EMD withdrawn from xxxxxx xxxxxxxx on 2/9/2026)<br>Deposit from xxxxxx: $18,000<br>Deposit from xxxxxx: $86,600<br>Deposit from xxxxxx: $6,300<br>Deposit from xxxxxx: $39,100<br>Total Cash to Close : $150,000<br>Refund amount on Final settlement statement to be added: $1,190.55 (to be added to reserve total)<br>Reserve requirement: $41,221.95. (3 months) – (Above refund at closing) $1,190.55<br>Remaining reserve requirement: $40,031.40<br>Total Assets Reviewed:<br>xxxxxx xxxxxxxx 2/13 (after EMD withdrawal): $49,787.40<br>xxxxxx: $2,315.33<br>xxxxxx: $10,204.14<br>xxxxxx: $1,274.10<br>xxxxxx xxxxxxxx: $7,743.42<br>xxxxxx xxxxxxxx 2/18 (after EMD withdrawal) : $35,979.95<br>xxxxxx xxxxxxxx 2/12: $86,707.28<br>xxxxxx xxxxxxxx 2/18: $1,319.98<br>xxxxxx 2/18: $3,476.59<br>xxxxxx 1/26: $863.29<br>xxxxxx 2/5: $3,028.22<br>xxxxxx xxxxxxxx 1/20: $362.82<br>Total: $203,062.52<br>Total Review Assets $203,062.52 - $150,000 (case to close) = $53,062.52 (post close reserve) sufficient to meet remaining reserve requirement of $40,031.40) - Seller-03/27/2026 | Resolved-Upon further review, added the additional deposits of $50k and $6,250 and $18,000. All other deposits were provided post the most recent statements. Audited Reserves of 7.47 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863096 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 11:26 | 2026-03-16 08:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgment of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see page 70 E-Sign Certificate - Seller-03/13/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see page 70 E-Sign Certificate - Seller-03/13/2026<br>| Resolved-Received acknowledgment of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.38 Required is 50 Borrower has 27.38<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Required is 700 Borrower has 804 |  | Initial Disclosure - xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863098 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 06:30 | 2026-03-23 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received March 2026 statement confirming mtg is paid current. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. See attached statement - Seller-03/16/2026 <br> Counter-Unable to locate a mortgage statement in file for this property. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-According to the credit report, that tradeline xxxxxx was current next due for 2/1 and the report date was 2/5. In addition, thereis a mortgage statement in the TPR package that reflects a next due date of 3/1 and dated 2/17. We should push back on this one - Seller-03/12/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Missing evidence that past due payment on manufactured housing (REO xxxxxx) was paid and loan is current. Additional findings may apply. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. See attached statement - Seller-03/16/2026 <br> Ready for Review-According to the credit report, that tradeline xxxxxx was current next due for 2/1 and the report date was 2/5. In addition, thereis a mortgage statement in the TPR package that reflects a next due date of 3/1 and dated 2/17. We should push back on this one - Seller-03/12/2026 | Resolved-Received March 2026 statement confirming mtg is paid current. - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - 8.36 months reserves and no reserves required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | Mortgage statement - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863098 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 06:30 | 2026-03-23 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Document Uploaded. For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, which was provided. - Due Diligence Vendor-03/23/2026 <br> Counter-Received release xxxxxx. Original finding remains. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/18/2026 <br> Counter-Received VOM. VOM not legible. Appear to indicate paid in full. Please Unable to determine when paid off. Please provide recorded reconveyance to document when free and clear. If paid off within the last 12 months, proof of payments required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Counter-Received VOM that is not legible. Please provide clear copy. Original finding remains - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. I documented on the 1008 that borrower was relocating, and his employer paid his rent in the subject property (a purchase) he was living in. I also have an LOE plus proof of the $27000 received for the rent. I also have a VOM for their previous property they owned. (Employer relocation. Employer paid borrowers rent while living in subject) <br> - Seller-03/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing 12 months cancelled checks or bank statements required by Guideline Section 5.5 when housing history documented with private VOM. Private VOM provided for departure residence. Additional findings may apply.<br> 2. Matrix allows 1x30x12, 0s60x12, 0x90x12 and payment history for REO xxxxxx is 4x30 and 1x60.<br> - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. See attached - Seller-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. I documented on the 1008 that borrower was relocating, and his employer paid his rent in the subject property (a purchase) he was living in. I also have an LOE plus proof of the $27000 received for the rent. I also have a VOM for their previous property they owned. (Employer relocation. Employer paid borrowers rent while living in subject) <br> - Seller-03/16/2026 | Resolved-Document Uploaded. For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, which was provided. - Due Diligence Vendor-03/23/2026 | Months Reserves exceed minimum required - 8.36 months reserves and no reserves required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | Satisfaction- xxxxxx.pdf<br> vom-xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863098 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 06:33 | 2026-03-17 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received statement confirming escrows included in payment amount reflecting. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/16/2026 <br> Counter-Unable to locate a mortgage statement in file for this property. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-There is a mortgage statement in the TPR package that reflects $356.23 for TI that is included in the monthly payment of $1,833.35. - Seller-03/12/2026 <br> Open-Missing verification if taxes and insurance are included in credit report payment for REO xxxxxx. Audit qualified with the credit report payment. If applicable, T&I to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. See attached - Seller-03/16/2026 <br> Ready for Review-There is a mortgage statement in the TPR package that reflects $356.23 for TI that is included in the monthly payment of $1,833.35. - Seller-03/12/2026 | Resolved-Received statement confirming escrows included in payment amount reflecting. - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - 8.36 months reserves and no reserves required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | Mortgage statement - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863098 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 05:59 | 2026-03-17 11:30 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Originator waiver applied to non-material finding - Due Diligence Vendor-03/17/2026 <br> Counter-Required for securitizations. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Please clear Management team is working with the investor on this issue a date has not been implemented on when the 4506 will be added to the doc set. - Seller-03/16/2026 <br> Counter-2 years 4506-C is required for securitization. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Please clear at the present time we do not require the 4506T or 4506C - Seller-03/12/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing Executed 4506-T/4506-C - Due Diligence Vendor-03/12/2026 | Ready for Review-Please clear Management team is working with the investor on this issue a date has not been implemented on when the 4506 will be added to the doc set. - Seller-03/16/2026 <br> Ready for Review-Please clear at the present time we do not require the 4506T or 4506C - Seller-03/12/2026 | Waived-Originator waiver applied to non-material finding - Due Diligence Vendor-03/17/2026<br>| Months Reserves exceed minimum required - 8.36 months reserves and no reserves required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863098 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 13:17 | 2026-03-16 09:00 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. See page 62 - E-Sign Certificate - Seller-03/13/2026 <br> Counter-The E-Consent document that borrower acknowledges to sign by E-sign. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-What document? - Seller-03/12/2026 <br> Open-Missing e-Consent. ------Missing eConsent document from file - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. See page 62 - E-Sign Certificate - Seller-03/13/2026 <br>Ready for Review-What document? - Seller-03/12/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Months Reserves exceed minimum required - 8.36 months reserves and no reserves required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | Disclosure - e-sign xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863098 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 15:10 | 2026-03-13 11:02 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-03/25/2026 <br> Open-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. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-This was marked, written and data delivered as a HPML - Seller-03/12/2026 | Ready for Review-This was marked, written and data delivered as a HPML - Seller-03/12/2026<br>| Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/25/2026 | Months Reserves exceed minimum required - 8.36 months reserves and no reserves required.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863099 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 19:01 | 2026-03-26 11:16 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Updated 12/25 bank statement received and the income calc has been updated. Large deposit was in 12/24 and this bank statement is no longer being used to qualify. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see bank statement attached - Seller-03/25/2026 <br> Counter-Received rebuttal. Historic single deposits do not reflect amounts equal to deposit. Finding remains. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-This finding was reviewed by the Management Team. We do not automatically require sourcing of large deposits on bank statement income. Borrowers' business regularly receives six figure deposits, and $2-$2.5 million in month deposits/withdrawals, proof of deposit was not required. - Seller-03/23/2026 <br> Open-Income and Employment Do Not Meet Guidelines 1) Missing proof the December 2024 large deposit of $539,757.76, shouldn't be excluded. <br> 2) The most recent bank statement is dated 11/30/2025. Per guidelines (5.2.1), the credit/income docs must be dated within 90 days of closing. The bank statement was 96 days old at time of closing. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see bank statement attached - Seller-03/25/2026 <br> Ready for Review-This finding was reviewed by the Management Team. We do not automatically require sourcing of large deposits on bank statement income. Borrowers' business regularly receives six figure deposits, and $2-$2.5 million in month deposits/withdrawals, proof of deposit was not required. - Seller-03/23/2026 | Resolved-Updated 12/25 bank statement received and the income calc has been updated. Large deposit was in 12/24 and this bank statement is no longer being used to qualify. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.26 |  | xxxxxx Operating Statement B### - ##-####.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863099 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 19:32 | 2026-03-16 11:29 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is not applicable. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-We do not require LOX for credit inquires. - Seller-03/13/2026 <br> Open-LOX for credit inquiries is missing. The LOX in file is blank. Credit report reflects inquiries. Please provide LOX for credit inquiries. - Due Diligence Vendor-03/11/2026 | Ready for Review-We do not require LOX for credit inquires. - Seller-03/13/2026<br>| Resolved-LOX for credit inquiries is not applicable. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.26 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863102 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 11:51 | 2026-04-02 11:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Current on the Note: Loan Originator: xxxxxx, NMLSR ID xxxxxx Loan Originator Organization: xxxxxx, NMLSR ID xxxxxx. This is the originating company and LO - Due Diligence Vendor-04/02/2026 <br> Ready for Review-PER xxxxxx:<br> Authorized Change to Legal Documents to add Mortgage Loan Originator Name and Nationwide Mortgage Licensing System and Registry (NMLSR) Identification (ID) Number<br>To comply with the requirements of the Truth in Lending Act and Regulation Z (12 C.F.R. § 1026.36(g)), lenders are authorized to add the name of the mortgage loan originator (LO) and NMLSR ID number for both an organization and individual to the last page of the note and the last page of the security instrument. This information must be placed at the end of the document, below any notary section that follows the borrower signature lines. If state or local law requires the placement of this information in a different location on the legal documents, lenders may place the LO name and NMLSR ID in an alternate location in order to comply with applicable requirements. Lenders may implement this change immediately and must implement it by no later than January 10, 2014.<br>https://www.xxxxxx.com/singlefamily/legal-documents<br> - Seller-03/31/2026 <br> Open-There are Issues Present on the Note that must be addressed. Missing NMLS for Lender - Due Diligence Vendor-03/13/2026 | Ready for Review-PER xxxxxx:<br> Authorized Change to Legal Documents to add Mortgage Loan Originator Name and Nationwide Mortgage Licensing System and Registry (NMLSR) Identification (ID) Number<br>To comply with the requirements of the Truth in Lending Act and Regulation Z (12 C.F.R. § 1026.36(g)), lenders are authorized to add the name of the mortgage loan originator (LO) and NMLSR ID number for both an organization and individual to the last page of the note and the last page of the security instrument. This information must be placed at the end of the document, below any notary section that follows the borrower signature lines. If state or local law requires the placement of this information in a different location on the legal documents, lenders may place the LO name and NMLSR ID in an alternate location in order to comply with applicable requirements. Lenders may implement this change immediately and must implement it by no later than January 10, 2014.<br>https://www.xxxxxx.com/singlefamily/legal-documents<br> - Seller-03/31/2026 | Resolved-Current on the Note: Loan Originator: xxxxxx, NMLSR ID xxxxxx Loan Originator Organization: xxxxxx, NMLSR ID xxxxxx. This is the originating company and LO - Due Diligence Vendor-04/02/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.24 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863102 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 10:51 | 2026-04-02 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX not required on DSCR loans - Due Diligence Vendor-04/02/2026 <br> Ready for Review-We do not require LOX for credit inquiries - Seller-03/31/2026 <br> Open-LOX for credit inquiries is missing. Inquiries not found. It is noted there is a xxxxxx vehicle (not on credit) which coincides with the sale of vehicle to xxxxxx. - Due Diligence Vendor-03/16/2026 | Ready for Review-We do not require LOX for credit inquiries - Seller-03/31/2026<br>| Resolved-LOX not required on DSCR loans - Due Diligence Vendor-04/02/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.24 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863102 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 09:42 | 2026-04-01 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received a copy of the full final 1003. Finding Resolved. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. See attached signed 1003 - Seller-03/31/2026 <br> Open-The Final 1003 is Incomplete Missing Final 1003 for borrower 1 (xxxxxx). Only the Declarations and Acknowledgement pages were provided. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. See attached signed 1003 - Seller-03/31/2026<br>| Resolved-Received a copy of the full final 1003. Finding Resolved. - Due Diligence Vendor-04/01/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.24 |  | xxxxxx.pdf<br> LO signed xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863102 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 10:21 | 2026-03-31 14:24 | 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-03/31/2026 <br> Ready for Review-Document Uploaded. look at page 37 of the attached. this is the UDM showing no new credit inquiries for B1 and B2. - Seller-03/27/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. look at page 37 of the attached. this is the UDM showing no new credit inquiries for B1 and B2. - Seller-03/27/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/31/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.24 |  | xxxxxx clear fraud.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863102 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 11:27 | 2026-03-31 14:24 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 2 UDM - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. look at page 37 of the attached. this is the UDM showing no new credit inquiries for B1 and B2. - Seller-03/27/2026 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. look at page 37 of the attached. this is the UDM showing no new credit inquiries for B1 and B2. - Seller-03/27/2026<br>| Resolved-Received Borrower 2 UDM - Due Diligence Vendor-03/31/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.24 |  | xxxxxx clear fraud.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863102 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 12:09 | 2026-03-30 10:00 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd xxxxxx eSign Certificate with borrower's consent. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/27/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/27/2026<br>| Resolved-Rec'd xxxxxx eSign Certificate with borrower's consent. - Due Diligence Vendor-03/30/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.24 |  | xxxxxx econsent.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863103 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 18:07 | 2026-04-01 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received verification of employment. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. please see attached processor cert - Seller-03/31/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification Business (xxxxxx) is active and in good standing 10 days prior to closing not seen in file. CPA letter is > 10 days from note date and online website printout does not confirm biz is in good standing. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. please see attached processor cert - Seller-03/31/2026<br>| Resolved-Received verification of employment. - Due Diligence Vendor-04/01/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 61.11<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 49.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |  | xxxxxx VOE Processor Certification Form..pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863103 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 11:41 | 2026-03-30 09:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd xxxxxx eSign Certificate with borrower's consent date. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/27/2026 <br> Open-Missing e-Consent. Missing e-consent - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/27/2026<br>| Resolved-Rec'd xxxxxx eSign Certificate with borrower's consent date. - Due Diligence Vendor-03/30/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 61.11<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 49.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |  | esign xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863109 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863110 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 11:47 | 2026-03-23 08:42 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received another copy of Cd xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. I have attached the COC CD from xxxxxx & the COC CD from xxxxxx. The COC CD reflects a lender credit of $8,212.50 and the COC CD from xxxxxx reflects a lender credit of $8,268.75. The lender credit actually increased $56.25 between these two CDs. This is a betterment to the borrower. - Seller-03/19/2026 <br> Counter-Received COC for xxxxxx. Lender Credit decreased on CD xxxxxx, without a COC. Finding Remains. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. We have a valid COC in the file. Both the borrower requested impound waiver and the loan amount change directly affected pricing and therefore the lender credit amount. These changes were documented and redisclosed within TRID timing. Based on the supporting documents, the reduction in lender credits is compliant, - Seller-03/17/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($8,268.75) does not exceed or equal the comparable sum of specific and non-specific lender credits ($10,037.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $10,037.50 to $8,268.75 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,768.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. I have attached the COC CD from xxxxxx & the COC CD from xxxxxx. The COC CD reflects a lender credit of $8,212.50 and the COC CD from xxxxxx reflects a lender credit of $8,268.75. The lender credit actually increased $56.25 between these two CDs. This is a betterment to the borrower. - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. We have a valid COC in the file. Both the borrower requested impound waiver and the loan amount change directly affected pricing and therefore the lender credit amount. These changes were documented and redisclosed within TRID timing. Based on the supporting documents, the reduction in lender credits is compliant, - Seller-03/17/2026 | Resolved-Received another copy of Cd xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.51 |  | COC-xxxxxx.pdf<br> COC CD xxxxxx.pdf<br> COC CD xxxxxx.pdf<br> COC CD xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863110 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 10:22 | 2026-03-19 13:34 | 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-03/19/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/17/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide verbal verification of employment with 10 business days of closing (xxxxxx). - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. See attached - Seller-03/17/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.51 |  | VVOE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863110 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 08:35 | 2026-03-19 13:32 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Client provided Deed of Transfer. Vested Owner Signature Requirement met. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached Grant Deed - Seller-03/17/2026 <br> Open-Vested Owner Signature Requirement Not met. Title vested at closing to xxxxxx & xxxxxx husband and wife as xxxxxx. Loan is on primary residence in xxxxxx. This is a Community Property State and the non-borrowing spouse must sign to acknowledge the lien and waive interest. No evidence husband has been Quit Claimed out of title. Please provide evidence to confirm xxxxxx (husband) no longer had a vested interest a closing in subject property. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. See attached Grant Deed - Seller-03/17/2026<br>| Resolved-Client provided Deed of Transfer. Vested Owner Signature Requirement met. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.51 |  | Grant Deed Recorded.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863110 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 10:42 | 2026-03-19 07:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached e-Consent - Seller-03/17/2026 <br> Open-Missing e-Consent. Missing e-Consent in file, please provide - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. See attached e-Consent - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.51 |  | 1385_001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863112 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 17:21 | 2026-03-20 10:13 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received screen shot with second approval with loan identification. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see the attached screenshot of the 2nd signature approval with loan identification. xxxxxx - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. Please see the attached screenshot of the 2nd signature approval with loan identification. xxxxxx - Seller-03/19/2026 <br> Counter-Received a screen shot of 2nd approval, however it does not identify subject loan information. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached approval - Seller-03/17/2026 <br> Open-Loans over $1M require 2nd approval from Management. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see the attached screenshot of the 2nd signature approval with loan identification. xxxxxx - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. Please see the attached screenshot of the 2nd signature approval with loan identification. xxxxxx - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. See attached approval - Seller-03/17/2026<br>| Resolved-Received screen shot with second approval with loan identification. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774 Required is 680 Borrower has 774<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.58 Required is 80 Borrower has 73.58<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64 Required is 50 Borrower has 37.64 |  | Manager Approval.pdf<br> xxxxxx 2nd signature approval.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863112 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 15:22 | 2026-03-20 10:12 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Second appraisal was provided with color photos. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Counter-Received 2nd 1004 appraisal. Please provide original with color photos (appraisal by xxxxxx) - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached appraisal - Seller-03/17/2026 <br> Open-Two or more full valuation products were not provided.' File is missing 2nd appraisal required due to loan amount> 2M. xxxxxx UCDP reflects submission on xxxxxx for report completed by xxxxxx, additional conditions may apply - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. See attached appraisal - Seller-03/17/2026<br>| Resolved-Second appraisal was provided with color photos. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774 Required is 680 Borrower has 774<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.58 Required is 80 Borrower has 73.58<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64 Required is 50 Borrower has 37.64 |  | Appraisal 2 xxxxxx.pdf<br> Appraisal 2 xxxxxx.pdf b.pdf<br> Appraisal 1 xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863112 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 13:17 | 2026-03-19 07:31 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See Attached e Consent - Seller-03/17/2026 <br> Open-Missing e-Consent. -----No electronic consent in file. Please provide. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. See Attached e Consent - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774 Required is 680 Borrower has 774<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.58 Required is 80 Borrower has 73.58<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64 Required is 50 Borrower has 37.64 |  | 1383_001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863115 | xxxxxx C B A | Closed | xxxxxx | 2026-03-17 11:01 | 2026-03-25 14:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received xxxxxx eSign Certificate with borrower's Consented Date xxxxxx. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/23/2026 <br> Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/23/2026<br>| Resolved-Received xxxxxx eSign Certificate with borrower's Consented Date xxxxxx. - Due Diligence Vendor-03/25/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 38.43 |  | xxxxxx ESIGN.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863115 | xxxxxx C B A | Closed | xxxxxx | 2026-03-17 12:19 | 2026-03-20 17:02 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-03/20/2026 <br> Open-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. - Due Diligence Vendor-03/17/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 38.43 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863116 | xxxxxx C A | Closed | xxxxxx | 2026-03-15 14:11 | 2026-03-19 07:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/17/2026 <br> Open-Missing e-Consent. Please provide - Due Diligence Vendor-03/15/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/17/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 |  | ESIGN CONSENT xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863120 | xxxxxx C A | Closed | xxxxxx | 2026-03-16 09:38 | 2026-03-19 07:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached e Consent - Seller-03/18/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower.<br> - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. See attached e Consent - Seller-03/18/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x68 months mortgage history.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.06 |  | 1392_001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863125 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 12:26 | 2026-03-27 15:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Interest starts accruing prior to disbursement date | Resolved-Provided PCCD, Finding resolved. <br> - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD and refund check in the amount of $441.76 - Seller-03/25/2026 <br> Counter-Please provide a PCCD with interest being paid at funding. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx Per Diem Interest Disclosure - Seller-03/23/2026 <br> Open-Post Close CD xxxxxx Prepaid Interest date of xxxxxx in section F is prior to the disbursement date of xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached PCCD and refund check in the amount of $441.76 - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx Per Diem Interest Disclosure - Seller-03/23/2026 | Resolved-Provided PCCD, Finding resolved. <br> - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 67.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.77 |  | 1415_001.pdf<br> PCCD xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863125 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:32 | 2026-03-24 13:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached eSing Certificate - Seller-03/23/2026 <br> Open-Missing e-Consent. Missing borrower agreement to electronic documents - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached eSing Certificate - Seller-03/23/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/24/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 67.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.77 |  | 1414_001.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863131 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 13:32 | 2026-04-13 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/09/2026 <br> Counter-Review did not receive upload. Please re upload. - Due Diligence Vendor-04/09/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing lender requires Borrower Certification of Business Purpose form. Per guidelines All business purpose transactions require the borrower to acknowledge the loan is a business<br> purpose loan by completing and signing the appropriate sections of the Borrower Certification of Business Purpose form. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.28 |  | CERTIFICATION OF BUSINESS PURPOSE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863134 | xxxxxx C A | Closed | xxxxxx | 2026-04-03 13:48 | 2026-04-09 09:28 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx Finding Resolved. - Due Diligence Vendor-04/09/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date, xxxxxx. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received PCCD xxxxxx Finding Resolved. - Due Diligence Vendor-04/09/2026 | On time mortgage history exceeds guideline requirement - Borrower has 0x30x24 mos mtg history; 1x30x12 mos allowed.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.75 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863136 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863137 | xxxxxx C B A | Closed | xxxxxx | 2026-03-27 11:30 | 2026-04-07 11:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC, finding resolved - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($12,360.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($14,420.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $14,420.00 to $11,676.97 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,743.03, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/27/2026 |  | Resolved-Received COC, finding resolved - Due Diligence Vendor-04/07/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 745 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863137 | xxxxxx C B A | Closed | xxxxxx | 2026-03-27 11:14 | 2026-03-27 11:14 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 745 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863141 | xxxxxx D A | Closed | xxxxxx | 2026-03-27 12:34 | 2026-04-03 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing CPA letter not dated. Lender to provide CPA letter with date of signature/completion date. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Received CPA letter. - Due Diligence Vendor-04/03/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 782<br>Months Reserves exceed minimum required - months reserves 11.31. Requred 6 months |  | CPA LETTER__dated.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863141 | xxxxxx D A | Closed | xxxxxx | 2026-03-31 14:37 | 2026-04-03 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal confirming xxxxxx. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. The appraiser has sent a revised report. Page 21 of report: - Seller-04/02/2026 <br> Open-Property Issues are identified for the property Appraiser did not address xxxxxx. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. The appraiser has sent a revised report. Page 21 of report: - Seller-04/02/2026<br>| Resolved-Received revised appraisal confirming xxxxxx. - Due Diligence Vendor-04/03/2026 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 35.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 782<br>Months Reserves exceed minimum required - months reserves 11.31. Requred 6 months |  | APPRAISAL - xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863142 | xxxxxx C B A | Closed | xxxxxx | 2026-04-01 14:48 | 2026-04-08 11:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded DOT w/legal. - Due Diligence Vendor-04/08/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received Recorded DOT w/legal. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 695<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863142 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 11:13 | 2026-04-03 12:17 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception to proceed with the IHSS 2 year income ledger to be used as xxxxxx WVOE and not full doc.<br> - Due Diligence Vendor-04/03/2026 <br> Open-Income and Employment Do Not Meet Guidelines The borrower is using 2 income to qualify. For the second job it is for IHSS. Exception to proceed with the IHSS 2 year income ledger to be used as xxxxxx WVOE and not full doc.<br> - Due Diligence Vendor-04/02/2026 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception to proceed with the IHSS 2 year income ledger to be used as xxxxxx WVOE and not full doc.<br> - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 695<br>LTV is less than guideline maximum - Required is 70 Borrower has 50 | 1. Required LTV is 70% Borrower has 50 LTV%. 2. Qualifying FICO score 695; guidelines require 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 863177 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863186 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 08:54 | 2026-04-13 09:47 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/10/2026 <br> Open-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. - Due Diligence Vendor-04/09/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance Due Diligence Vendor-04/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.29 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863186 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 21:37 | 2026-04-08 21:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.29 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863188 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863189 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 21:36 | 2026-04-14 11:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received bank statements and 1003 confirming sufficient assets to cover Open xxxxxx - Due Diligence Vendor-04/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to Determine ATR-Missing Assets to cover monthly debt obligations-xxxxxx Balance of $3427.00 - Due Diligence Vendor-04/03/2026 |  | Resolved-Received bank statements and 1003 confirming sufficient assets to cover Open xxxxxx - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.19<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.14 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863189 | xxxxxx C A | Closed | xxxxxx | 2026-04-01 13:10 | 2026-04-14 11:02 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-04/14/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-04/01/2026 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.19<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.14 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863189 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 21:39 | 2026-04-14 11:00 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received corrected 1003 and bank statement confirming sufficient assets for Open xxxxxx account. - Due Diligence Vendor-04/14/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing Assets to cover monthly debt obligations-xxxxxx Balance of $3,427.00 - Due Diligence Vendor-04/03/2026 |  | Resolved-Received corrected 1003 and bank statement confirming sufficient assets for Open xxxxxx account. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.19<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.14 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863190 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 14:00 | 2026-03-12 12:42 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in title fees. Finding resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Please See COC - Seller-03/10/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($4,417.50) exceed the comparable charges ($3,953.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Settlement Agent Fee) increased by $69.20 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $69.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please See COC - Seller-03/10/2026<br>| Resolved-Received COC for increase in title fees. Finding resolved. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.17 |  | xxxxxx-COC Form.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863190 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 13:22 | 2026-03-03 13:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 31.17 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863191 | xxxxxx D B A | Closed | xxxxxx | 2026-04-06 04:17 | 2026-04-09 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business phone number validation. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-Borrower 1 Business Bank Statements Missing Business Bank Statements provided; however, missing required business number search. Per guidelines business phone number must be verifiable via xxxxxx Search, xxxxxx or internet. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026<br>| Resolved-Received business phone number validation. - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.1<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | xxxxxx xxxxxx...pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863191 | xxxxxx D B A | Closed | xxxxxx | 2026-04-03 20:56 | 2026-04-03 20:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.1<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863207 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 12:35 | 2026-04-17 10:57 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-04/17/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title insured to be updated to xxxxxx. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received updated Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-04/17/2026 | Qualifying FICO score is at least 20 points above minimum for program - qualifying score 704; min score 620 Required is 620 Borrower has 704<br>LTV is less than guideline maximum - LTV 70% max 80%. Required is 80 Borrower has 70 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863210 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 12:56 | 2026-04-14 11:09 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting borrower as proposed, lender and loan coverage. - Due Diligence Vendor-04/14/2026 <br> Counter-Received EOI. Please address original finding. - Due Diligence Vendor-04/09/2026 <br> Open-Property Title Issue Missing purpose insured. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received title supplement reflecting borrower as proposed, lender and loan coverage. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 Required is 660 Borrower has 710<br>Long term residence - Borrower in current home 25+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863210 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 16:44 | 2026-04-10 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received RCE. - Due Diligence Vendor-04/10/2026 <br> Counter-Received HOI declaration. Coverage is insufficient. Missing RCE or confirmation of 100% replacement. - Due Diligence Vendor-04/09/2026 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-04/03/2026 |  | Resolved-Received RCE. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710 Required is 660 Borrower has 710<br>Long term residence - Borrower in current home 25+ years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863211 | xxxxxx D A C | Closed | xxxxxx | 2026-04-13 02:37 | 2026-04-22 10:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received full Ex A Legal Description - Due Diligence Vendor-04/22/2026 <br> Counter-Received document however the attachment only reflects Address and Ex A Legal Description however no legal description provided it is blank - Due Diligence Vendor-04/17/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-04/13/2026 |  | Resolved-Received full Ex A Legal Description - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863211 | xxxxxx D A C | Closed | xxxxxx | 2026-04-09 14:24 | 2026-04-16 07:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Received copy of Service Provider List. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Open-Missing Service Provider list 3 days from initial application date. Unable to test accurately. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received copy of Service Provider List. Finding Resolved. - Due Diligence Vendor-04/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863211 | xxxxxx D A C | Closed | xxxxxx | 2026-04-09 11:51 | 2026-04-16 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,966.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). --------Zero (0%) tolerance fees increased by $1,966.00 Application Fee, Appraisal Fee, Credit Report Fee and Flood Certification without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,966.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.Missing initial LE - Due Diligence Vendor-04/09/2026 |  | Resolved-Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863211 | xxxxxx D A C | Closed | xxxxxx | 2026-04-09 11:51 | 2026-04-16 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,066.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). --------Ten (10%) tolerance fees Lender's Title Insurance Policy, Settlement or Closing Fee, Title - xxxxxx Searches, Title - Closing Service Letter, Title - Exam Fee, Title File Notice Settlement, Title - Lender's Survey, Title - Mortgage Payoff/Satisfaction Service Charge, Overnight Charge, Tax & Assessment Searches, Title - Tidelands - Unclaimed, Title - Upper/Court/Patriot Searches, Title - Transaction Management Fee, Title Endorsement Fee and Recoding Fee increased by $2,066.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,066.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Missing initial LE. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863211 | xxxxxx D A C | Closed | xxxxxx | 2026-04-09 11:51 | 2026-04-16 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. --------Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863211 | xxxxxx D A C | Closed | xxxxxx | 2026-04-09 11:18 | 2026-04-16 07:26 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received e-Consent in file. - Due Diligence Vendor-04/16/2026 <br> Open-Missing e-Consent. Missing e-Consent in file - Due Diligence Vendor-04/09/2026 |  | Resolved-Received e-Consent in file. - Due Diligence Vendor-04/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863212 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863215 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863217 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863219 | xxxxxx B A | Closed | xxxxxx | 2026-04-13 11:13 | 2026-04-13 11:36 | 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-04/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client Waiver applied to non-material findings. - Due Diligence Vendor-04/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863220 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863222 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863225 | xxxxxx B A | Closed | xxxxxx | 2026-04-17 13:29 | 2026-04-22 10:24 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 and 1003 . - Due Diligence Vendor-04/22/2026 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/17/2026 |  | Resolved-Received 1008 and 1003 . - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.75<br>LTV is less than guideline maximum - Required is 75 Borrower has 63.44 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863226 | xxxxxx C A | Closed | xxxxxx | 2026-04-14 07:50 | 2026-04-21 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received 1003 and added collection. - Due Diligence Vendor-04/21/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Any individual account ≥ $250, OR<br> Aggregate total > $2,000<br> ➜ Must be paid in full prior to or at closing - <br> Collection that exceeds 250 listed on credit report - subtracted from assets- but missing documentation showing paid in full - Due Diligence Vendor-04/14/2026 |  | Resolved-Received 1003 and added collection. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 36.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863227 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 14:37 | 2026-03-31 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-03/31/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing - Due Diligence Vendor-03/27/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-03/31/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863230 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 11:34 | 2026-04-16 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clearance. - Due Diligence Vendor-04/16/2026 <br> Counter-Received SAM clearance. Missing clearance for Possible match found on xxxxxx Exclusionary List for Loan processor. <br> - Due Diligence Vendor-04/09/2026 <br> Open-Fraud Report Shows Uncleared Alerts Alert - xxxxxx xxxxxx loan processor, xxxxxx xxxxxx loan opener. - Due Diligence Vendor-04/02/2026 |  | Resolved-Received clearance. - Due Diligence Vendor-04/16/2026<br>| Qualifying DTI below maximum allowed - DTI 21.30 max 50%. Required is 50 Borrower has 21.76<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 813 min score 700. Required is 700 Borrower has 813 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863230 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 12:13 | 2026-04-10 12:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The request for an exception for reserves is granted with comp factors. - Due Diligence Vendor-04/10/2026 <br> Counter-Received Lender Response: xxxxxx #xxxxxx : $85,969.52 - 82,752.12 (Final Funds) = $3,217.40<br>+ xxxxxx #xxxxxx : $2,335.84<br>+ GIFT $5,000<br>= Total Reserve : $10,553.24 <br>Required Reserve : $10,125.60 (=$2531.40 \* 4MONTHS) <br>Total Reserves exceed the required amount. Please clear the condition. -- Audit response- Borrower Cash required to close $88,326.35= $3014.01 left for reserves. Reserves required 10,125.60-$3014.01 leaves reserves short $7,111.59. Finding remains. - Due Diligence Vendor-04/10/2026 <br> Open-Audited Reserves of 1.19 month(s) are less than Guideline Required Reserves of 4 month(s) Reserves short $7,111.59. - Due Diligence Vendor-04/03/2026 |  | Waived-The request for an exception for reserves is granted with comp factors. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - DTI 21.30 max 50%. Required is 50 Borrower has 21.76<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 813 min score 700. Required is 700 Borrower has 813 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863232 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863242 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 10:30 | 2026-04-17 16:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Complete mortgage with signature page provided. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/17/2026 <br> Counter-PDF not uploaded, please upload in order for review to be completed - Due Diligence Vendor-04/17/2026 <br> Counter-Review is unable to open documents received. Please re upload as PDF. - Due Diligence Vendor-04/16/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing signature page for DOT. - Due Diligence Vendor-04/08/2026 |  | Resolved-Complete mortgage with signature page provided. - Due Diligence Vendor-04/17/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | xxxxxx - DoT (1).pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863250 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 07:59 | 2026-04-14 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/13/2026 <br> Counter-Received xxxxxx letter confirming ownership and length of employment. Missing xxxxxx license validation. - Due Diligence Vendor-04/09/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA Letter. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received xxxxxx license validation. - Due Diligence Vendor-04/14/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 779 |  | CPA license verification.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863250 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 07:29 | 2026-04-09 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received fully executed escrow instructions for FSBO. - Due Diligence Vendor-04/09/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Provide purchase contract. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received fully executed escrow instructions for FSBO. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 779 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863252 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 14:42 | 2026-04-14 11:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-04/14/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/08/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 716<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863259 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863287 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863304 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863305 | xxxxxx D B A | Closed | xxxxxx | 2026-05-04 13:19 | 2026-05-04 13:19 | Waived | 2 - Non-Material B | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Waived--Desk review obtained with is more than -10% from appraised value, a Field Review was obtained to support value with no variance. Waiver applied to non-material finding. - Due Diligence Vendor-05/04/2026 |  | Waived--Desk review obtained with is more than -10% from appraised value, a Field Review was obtained to support value with no variance. Waiver applied to non-material finding. - Due Diligence Vendor-05/04/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 793 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863305 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 11:29 | 2026-03-17 15:07 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Field Review was provided supporting the value. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-It's already in the pkg. Please clear this condition. - Seller-03/16/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Desk Review >10% negative variance to the appraised value. Lender to provide an additional valuation (Field Review per lender's guidelines) to substantiate the appraised value. - Due Diligence Vendor-03/10/2026 | Ready for Review-It's already in the pkg. Please clear this condition. - Seller-03/16/2026<br>| Resolved-Field Review was provided supporting the value. - Due Diligence Vendor-03/17/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 793 |  | 3026303-V10 (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863305 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 11:29 | 2026-03-17 15:07 | Resolved | 1 - Information D A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Field review was provided. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. It's already in the pkg. Please clear this condition. - Seller-03/16/2026 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-17.53'. Desk Review >10% negative variance to the appraised value. Field Review is required to support the appraised value or loan is ineligible for funding. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. It's already in the pkg. Please clear this condition. - Seller-03/16/2026<br>| Resolved-Field review was provided. - Due Diligence Vendor-03/17/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 793 |  | 3026303-V10 (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863318 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 12:14 | 2026-04-23 09:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/23/2026 <br> Open-Missing PCCD corresponding to xxxxxx Settlement Statement - Due Diligence Vendor-04/15/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/23/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 47.3<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.97 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863318 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 16:03 | 2026-04-22 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received updated cbr. - Due Diligence Vendor-04/22/2026 <br>Open-Audited FICO of 649 is less than Guideline FICO of 680 - Due Diligence Vendor-04/15/2026 |  | Resolved-Received updated cbr. - Due Diligence Vendor-04/22/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 47.3<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.97 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863318 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 14:59 | 2026-04-22 07:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received full copy Final 1003. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br>Open-The Final 1003 is Incomplete Missing page 2 of the final 1003. - Due Diligence Vendor-04/15/2026 |  | Resolved-Received full copy Final 1003. Finding Resolved. - Due Diligence Vendor-04/22/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 47.3<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.97 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863379 | xxxxxx D B A | Closed | xxxxxx | 2026-04-02 13:36 | 2026-04-09 12:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received xxxxxx letter - Due Diligence Vendor-04/09/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Tax preparer letter to coincide with the P&L - Due Diligence Vendor-04/02/2026 |  | Resolved-Received xxxxxx letter - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 28 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863379 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 16:52 | 2026-04-09 12:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves of 8.75 months < 12 mons required, applied to non material finding with comp factors - Due Diligence Vendor-04/09/2026 <br>Open-Audited Reserves of 8.75 month(s) are less than Guideline Required Reserves of 12 month(s) FTHB no rental history did not own prior residence with spouse. - Due Diligence Vendor-04/02/2026 |  | Waived-Client provided a waiver for reserves of 8.75 months < 12 mons required, applied to non material finding with comp factors - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 28 | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863379 | xxxxxx D B A | Closed | xxxxxx | 2026-04-02 13:16 | 2026-04-06 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Client provided CPA letter and it does coincide with P&L - Due Diligence Vendor-04/06/2026 <br>Open-Borrower 1 CPA Letter Missing Missing Tax preparer letter to coincide with the P&L - Due Diligence Vendor-04/02/2026 |  | Resolved-Client provided CPA letter and it does coincide with P&L - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 28 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863384 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 16:02 | 2026-04-01 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Client provided the Automatic Pymt Authorization executed - Due Diligence Vendor-04/01/2026 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-03/27/2026 |  | Resolved-Client provided the Automatic Pymt Authorization executed - Due Diligence Vendor-04/01/2026 | Long term residence - 4 Years<br>Months Reserves exceed minimum required - no reserves required; 1 month in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863387 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-03 14:33 | 2026-04-29 12:48 | 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-04/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/03/2026 | Months Reserves exceed minimum required - 51.12 months PITIA reserves; 2 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying score 27.41 max 50%. Required is 50 Borrower has 27.41 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863387 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-03 15:07 | 2026-04-28 16:36 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/07/2026 <br> Open-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. - Due Diligence Vendor-04/03/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/07/2026 | Months Reserves exceed minimum required - 51.12 months PITIA reserves; 2 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying score 27.41 max 50%. Required is 50 Borrower has 27.41 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863387 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 08:19 | 2026-04-09 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM. - Due Diligence Vendor-04/09/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA condo questionnaire was not provided. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received CPM. - Due Diligence Vendor-04/09/2026 | Months Reserves exceed minimum required - 51.12 months PITIA reserves; 2 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying score 27.41 max 50%. Required is 50 Borrower has 27.41 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863393 | xxxxxx C B A | Closed | xxxxxx | 2026-04-06 07:41 | 2026-04-07 09:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow 80% LTV . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max allowed. - Due Diligence Vendor-04/07/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV 75% due to declining market - Due Diligence Vendor-04/06/2026 |  | Waived-Client exception granted to allow 80% LTV . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max allowed. - Due Diligence Vendor-04/07/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history on all mortgages.<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying LTV 752; min score 680. Required is 680 Borrower has 752 | 0x30 for 48 mos all mortgages<br> self employed over 2 yrs<br> residual income more than 2x the amount |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863427 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 09:52 | 2026-04-03 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-DEEDOF TRUST, ASSIGNMENT OF LEASES AND RENTS,FIXTURE FILING,AND SECURITY AGREEMENT provided.<br> - Due Diligence Vendor-04/03/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-04/01/2026 |  | Resolved-DEEDOF TRUST, ASSIGNMENT OF LEASES AND RENTS,FIXTURE FILING,AND SECURITY AGREEMENT provided.<br> - Due Diligence Vendor-04/03/2026 | LTV is less than guideline maximum - LTV 70% max LTV 75% for Foreign national Required is 75 Borrower has 70<br> Months Reserves exceed minimum required - 8.98 months PITIA reserves; 6 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863550 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-01 16:33 | 2026-04-28 16:16 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/03/2026 <br> Open-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. - Due Diligence Vendor-04/01/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684<br> On time mortgage history exceeds guideline requirement - On time mortgage/rental payments dating back to 2023 exceeds the 12 month minimum required |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863550 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-02 06:32 | 2026-04-09 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received high and medium alerts cleared. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/08/2026 <br> Counter-Received fraud report dated 03/03/2026, however it reflects outstanding medium and high risk items . Please provide the Fraud report reflecting Underwriter has reviewed and mitigated the Moderate and High Risk Variances on the Fraud report by making notes on the report as required by guidelines, and include any Supporting documentation used to clear those items. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-04/06/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-04/06/2026 | Resolved-Received high and medium alerts cleared. - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684<br> On time mortgage history exceeds guideline requirement - On time mortgage/rental payments dating back to 2023 exceeds the 12 month minimum required |  | SAFE.PDF<br> xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863550 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-01 15:51 | 2026-04-01 15:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/01/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684<br> On time mortgage history exceeds guideline requirement - On time mortgage/rental payments dating back to 2023 exceeds the 12 month minimum required |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863552 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 22:51 | 2026-04-07 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparer verification of 24 months of self-employment. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see the letter. - Seller-04/06/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter in the file is not complete. CPA letter to verify how long the borrower has been SE and the percentage of ownership. Additional conditions may apply. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see the letter. - Seller-04/06/2026 | Resolved-Received tax preparer verification of 24 months of self-employment. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.57 |  | Untitled Extract Pages.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863552 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 23:18 | 2026-04-07 17:21 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clearance pages. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see the report - Seller-04/06/2026 <br> Open-Fraud Report Shows Uncleared Alerts All high alerts to be cleared. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see the report - Seller-04/06/2026 | Resolved-Received clearance pages. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.57 |  | xxxxxx Connect.xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863552 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 23:18 | 2026-04-07 17:17 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud clearance with No outstanding OFAC alerts - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Could you please clarify which 4 items? - Seller-04/06/2026 <br> Open-OFAC Check Not Completed and/or Cleared OFAC report shows 4 items open for review. - Due Diligence Vendor-04/02/2026 | Ready for Review-Could you please clarify which 4 items? - Seller-04/06/2026 | Resolved-Received fraud clearance with No outstanding OFAC alerts - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863552 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 23:18 | 2026-04-07 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Please see the letter - Seller-04/06/2026 <br> Open-Third Party Fraud Report Partially Provided Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. Please see the letter - Seller-04/06/2026 | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.57 |  | FRAUD ALERT LETTER PDF-signed.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863565 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863566 | xxxxxx B A | Closed | xxxxxx | 2026-04-08 14:21 | 2026-04-08 14:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/08/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/08/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.52<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 756 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863567 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863646 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 10:33 | 2026-04-09 15:21 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/09/2026 Open-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. - Due Diligence Vendor-04/08/2026 <br> Waived-Client waiver applied to non material finding with comp factors. Meets HPML requirements. - Due Diligence Vendor-04/09/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br> Verified employment history exceeds guidelines - Borrower 1 self employed since 2019. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863648 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863671 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863678 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 10:09 | 2026-04-15 11:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of xxxxxx. HOI effective date is acceptable. - Due Diligence Vendor-04/15/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Funded xxxxxx - Due Diligence Vendor-04/09/2026 |  | Resolved-Received PCCD confirming disbursement date of xxxxxx. HOI effective date is acceptable. - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.36 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863695 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 13:01 | 2026-04-08 11:08 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-04/08/2026 <br> Open-The Final SELLER CD/HUD is missing. Provide the Final SellerCD/HUD - Due Diligence Vendor-04/02/2026 |  | Resolved-Received Seller CD. - Due Diligence Vendor-04/08/2026 | Verified employment history exceeds guidelines - Borrower at current employer for 15 years.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 Required is 700 Borrower has 748 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863695 | xxxxxx C A | Closed | xxxxxx | 2026-04-02 11:41 | 2026-04-08 10:49 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, chain of title was located in the loan file. - Due Diligence Vendor-04/08/2026 <br> Open-Unsatisfactory Chain of Title provided. 24 month chain of title not found on Title policy provided. - Due Diligence Vendor-04/02/2026 |  | Resolved-Upon further review, chain of title was located in the loan file. - Due Diligence Vendor-04/08/2026 | Verified employment history exceeds guidelines - Borrower at current employer for 15 years.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748 Required is 700 Borrower has 748 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863721 | xxxxxx B A | Closed | xxxxxx | 2026-04-16 10:36 | 2026-04-16 12:15 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non material finding<br> - Due Diligence Vendor-04/16/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx Client waiver applied to non material finding<br> - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 Required is 660 Borrower has 814<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.57 Required is 50 Borrower has 32.57 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863766 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863846 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 11:52 | 2026-04-28 16:29 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-04/06/2026 <br> Open-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. - Due Diligence Vendor-04/02/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance- Due Diligence Vendor-04/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.45<br> Months Reserves exceed minimum required - 194.27mos reserves. Per guides, 12 reserves required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863887 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 16:45 | 2026-04-16 11:49 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received gift letter and proof of funds sent to title company - Due Diligence Vendor-04/16/2026 <br> Open-Missing gift letter and transfer of gift funds for $20,000 - Due Diligence Vendor-04/09/2026 |  | Resolved-Received gift letter and proof of funds sent to title company - Due Diligence Vendor-04/16/2026 | LTV is less than guideline maximum - 85% max allowed; LTV is 80%<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.78<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863887 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 11:10 | 2026-04-15 09:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-04/15/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with the DOT - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - 85% max allowed; LTV is 80%<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.78<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863893 | xxxxxx B A | Closed | xxxxxx | 2026-04-09 12:51 | 2026-04-09 13:59 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Client waiver applied to non-material Findings. Deal is any other- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Client waiver applied to non-material Findings. Deal is any other- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.75<br> LTV is less than guideline maximum - Required is 75 Borrower has 60 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863919 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 10:59 | 2026-04-23 14:35 | Resolved | 1 - Information C A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-Received Appraisal noted. - Due Diligence Vendor-04/23/2026 <br> Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Missing 2nd appraisal per flip guidelines. Missing appraisal from xxxxxx - Due Diligence Vendor-04/14/2026 |  | Resolved-Received Appraisal noted. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - DTI 37.96 max 50%. Required is 50 Borrower has 37.96<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 Required is 680 Borrower has 800 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863919 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 14:21 | 2026-04-23 14:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - DTI 37.96 max 50%. Required is 50 Borrower has 37.96<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 Required is 680 Borrower has 800 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863919 | xxxxxx C B A | Closed | xxxxxx | 2026-04-13 11:05 | 2026-04-13 11:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - DTI 37.96 max 50%. Required is 50 Borrower has 37.96<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 Required is 680 Borrower has 800 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863987 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 10:03 | 2026-04-09 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received executed Allonge - Due Diligence Vendor-04/09/2026 <br> Open-allonge to note is not executed - Due Diligence Vendor-04/09/2026 |  | Resolved-Received executed Allonge - Due Diligence Vendor-04/09/2026 | Months Reserves exceed minimum required - borrower has over 20 months reserves <br> Qualifying DTI below maximum allowed - well under max DTI |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864033 | xxxxxx D B A | Closed | xxxxxx | 2026-04-08 15:26 | 2026-04-30 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Upon further review not required rider - Due Diligence Vendor-04/10/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-04/08/2026 |  | Resolved-Upon further review not required rider - Due Diligence Vendor-04/10/2026 | On time mortgage history exceeds guideline requirement - No mortgage lates on all mortgages > 97 months.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br> Residual Income =/> 1.5 times $3,500 monthly residual income - The borrower has residual income of $71,620.14. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864033 | xxxxxx D B A | Closed | xxxxxx | 2026-04-08 20:05 | 2026-04-10 14:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. - Due Diligence Vendor-04/10/2026 <br> Open-Max xxxxxx exposure is xxxxxx for xxxxxx for 1 borrower, seek exception to xxxxxx. The file contains an approved exception. - Due Diligence Vendor-04/09/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. - Due Diligence Vendor-04/10/2026 | On time mortgage history exceeds guideline requirement - No mortgage lates on all mortgages > 97 months.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 804<br> Residual Income =/> 1.5 times $3,500 monthly residual income - The borrower has residual income of $71,620.14. | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines<br> 0x30 for 48 months on subject mortgage |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864053 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864140 | xxxxxx C A | Closed | xxxxxx | 2026-04-14 13:47 | 2026-04-22 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LOE to correspond with COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $350.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $350 (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 $350, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. COC in file however explanation for increase is required. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received LOE to correspond with COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864165 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864178 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 16:48 | 2026-03-27 17:52 | 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-03/27/2026 <br> Ready for Review-see attached clear fraud report . look at the UDM on page 11 showing no new credit inquiries for B1. the date on the fraud report will not change because there were no changes made when we re-ran the report. - Seller-03/26/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide gap credit or UDM within 10 days of closing. - Due Diligence Vendor-03/23/2026 | Ready for Review-see attached clear fraud report . look at the UDM on page 11 showing no new credit inquiries for B1. the date on the fraud report will not change because there were no changes made when we re-ran the report. - Seller-03/26/2026 | Resolved-Received UDM - Due Diligence Vendor-03/27/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 66.23<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.65<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 774 |  | CLEAR FRAUD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864187 | xxxxxx D B A | Closed | xxxxxx | 2026-03-25 09:38 | 2026-03-26 09:05 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Originator exception granted to allow a missing 4506-C with a Note date prior to xxxxxx. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/26/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing .Borrower 1 Executed 4506-T/4506-C is Missing . - Due Diligence Vendor-03/25/2026 |  | Waived-Originator exception granted to allow a missing 4506-C with a Note date prior to xxxxxx. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.94<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 | 778 FICO with min. 700<br> 80% LTV with max 85%<br> 12.94% DTI with max of 43% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864187 | xxxxxx D B A | Closed | xxxxxx | 2026-03-25 08:28 | 2026-03-26 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider is within the DOT. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED, GO TO PAGE 19 AND REFER TO THE HIGHLIGHTED SECTION 38. THIS IS A BUSINESS PURPOSE LOAN SO THE PUD RIDER IS BUILT IN THE DOT. - Seller-03/25/2026 <br> Open-PUD Rider is Missing Missing PUD Rider. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. SEE ATTACHED, GO TO PAGE 19 AND REFER TO THE HIGHLIGHTED SECTION 38. THIS IS A BUSINESS PURPOSE LOAN SO THE PUD RIDER IS BUILT IN THE DOT. - Seller-03/25/2026 | Resolved-PUD Rider is within the DOT. - Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.94<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 |  | DOT xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864188 | xxxxxx D A | Closed | xxxxxx | 2026-03-24 18:58 | 2026-03-27 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received security instrument reflecting PUD information located within body section 38 - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. This is a Business Purpose Loan the Rider is Built-In the DOT See page 20 Section 38 - Seller-03/25/2026 <br> Open-PUD Rider is Missing Missing - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. This is a Business Purpose Loan the Rider is Built-In the DOT See page 20 Section 38 - Seller-03/25/2026 | Resolved-Received security instrument reflecting PUD information located within body section 38 - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 760 Borrower has 797<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.08 |  | Recorded DOT xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864190 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864194 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 10:50 | 2026-03-24 12:54 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See page 22-27 - Seller-03/23/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----- Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. See page 22-27 - Seller-03/23/2026 | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 Required is 640 Borrower has 784<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38 Required is 50 Borrower has 38 |  | Initial_Disclosure_xxxxxx_69c167198d85c.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864194 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 10:50 | 2026-03-24 12:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See attached LE please advise after reviewing Fee test - Seller-03/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15,775.63.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Missing Initial LE. Unable to test tolerance properly. Additional findings may apply upon receipt. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. See attached LE please advise after reviewing Fee test - Seller-03/23/2026 | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 Required is 640 Borrower has 784<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38 Required is 50 Borrower has 38 |  | Initial_Disclosure_xxxxxx_69c167198d85c.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864194 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 10:50 | 2026-03-24 12:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,856.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See attached LE please advise after reviewing Fee test page 29-31 - Seller-03/23/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,811.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Missing Initial LE. Unable to test tolerance properly. Additional findings may apply upon receipt. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. See attached LE please advise after reviewing Fee test page 29-31 - Seller-03/23/2026 | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 Required is 640 Borrower has 784<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38 Required is 50 Borrower has 38 |  | Initial_Disclosure_xxxxxx_69c167198d85c.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864194 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 10:50 | 2026-03-24 12:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See page 29-31 - Seller-03/23/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. See page 29-31 - Seller-03/23/2026 | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 Required is 640 Borrower has 784<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38 Required is 50 Borrower has 38 |  | Initial_Disclosure_xxxxxx_69c167198d85c.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864194 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 10:50 | 2026-03-24 12:54 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See page 14 - Seller-03/23/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ----- List of Service Providers in file is dated xxxxxx not provided timely after application date of xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. See page 14 - Seller-03/23/2026 | Resolved-Received initial 1003 dated 02/25/2026. Finding Resolved. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 Required is 640 Borrower has 784<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38 Required is 50 Borrower has 38 |  | Initial_Disclosure_xxxxxx_69c167198d85c.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864194 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 10:25 | 2026-03-24 12:46 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See page 44-45 - Seller-03/23/2026 <br> Open-Missing e-Consent. e-Consent missing from file - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. See page 44-45 - Seller-03/23/2026 | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 784 Required is 640 Borrower has 784<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38 Required is 50 Borrower has 38 |  | Initial_Disclosure_xxxxxx_69c167198d85c.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864203 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 09:48 | 2026-04-10 08:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see page 7 e-Sign Certificate - Seller-04/09/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $642.86.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 $642.86 (Mortgage Broker Fee, Document Redraw Fee & Transfer Taxes) There is a few COC's in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $642.86, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [COC for increase on xxxxxx is in file, need receipt date for associated CD] - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see page 7 e-Sign Certificate - Seller-04/09/2026 | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br> LTV is less than guideline maximum - Required is 75 Borrower has 68<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.87 |  | Closing_Disclosure_Documents_xxxxxx_69d670797238c.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864203 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 12:37 | 2026-04-10 08:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section H. Other" Validation Test | Resolved-Received PCCD xxxxxx removing fee. Finding Resolved. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. The principal reduction was move to Section K - Seller-04/09/2026 <br> Open-This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate.Per the Official Interpretations to Regulation Z: The items listed under the heading of "Other Costs" pursuant to §1026.37(g) include services that are ancillary to the creditor's decision to evaluate the collateral and the consumer for the loan. The amounts disclosed for these items are: Established by government action; determined by standard calculations applied to ongoing fixed costs; or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Except for prepaid interest under §1026.37(g)(2)(iii), or charges for optional credit insurance provided by the creditor, the creditor does not retain any of the amounts or portions of the amounts disclosed as other costs. ------PCCD xxxxxx adds Principal Reduction paid to Lender in section H as a positive amount, making it appear as a fee assed to buyer. Please clarify this fee, and if truly a principal reduction, move to Section L other credits. Additional findings may apply upon receipt of clarification. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. The principal reduction was move to Section K - Seller-04/09/2026 | Resolved-Received PCCD xxxxxx removing fee. Finding Resolved. - Due Diligence Vendor-04/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br> LTV is less than guideline maximum - Required is 75 Borrower has 68<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.87 |  | Post_Closing_Documents_xxxxxx_69d6e86238f97.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864203 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 09:48 | 2026-04-08 16:18 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Rec'd borrower's acknowledgment of CD. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see page 7 - Seller-04/08/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"xxxxxxFirst Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. Please see page 7 - Seller-04/08/2026 | Resolved-Rec'd borrower's acknowledgment of CD. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br> LTV is less than guideline maximum - Required is 75 Borrower has 68<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.87 |  | Closing_Disclosure_Documents_xxxxxx_69d670797238c.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864203 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 16:45 | 2026-04-03 16:24 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED FINAL SSR , therefore we dont need a CDA - Seller-04/01/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required.The loan file is missing a Desk Review to substantiate the value of the subject property. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED FINAL SSR , therefore we dont need a CDA - Seller-04/01/2026 | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br> LTV is less than guideline maximum - Required is 75 Borrower has 68<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.87 |  | FINAL SSR xxxxxx xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864207 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864211 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 09:48 | 2026-04-28 16:10 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/03/2026 <br> Open-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. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/03/2026 | Months Reserves exceed minimum required - 63.29 Month of Reserves 0 required<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $6830.96 in month residual income which is /> 1.5 times $3,500 monthly residual income |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864212 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 12:21 | 2026-04-28 16:11 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Originator waiver applied . File contains escrows and a full appraisal prior to closing. - Due Diligence Vendor-04/02/2026 <br> Open-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. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.71 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864215 | xxxxxx C A | Closed | xxxxxx | 2026-04-01 09:15 | 2026-04-09 12:53 | 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). The borrowers bought this property from a foreclosure and the original owner has 180 days to reclaim the property if they choose to do so. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-xxxxxx confirmed that this is the correct SD Mortgage title/heading as per the One Hundred Eighty Day Redemption Mortgage Act. The Mortgage generated through xxxxxx is the model form from xxxxxx. <br>- Seller-04/08/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage labled 180 Day Redemption - Due Diligence Vendor-04/01/2026 | Ready for Review-xxxxxx confirmed that this is the correct SD Mortgage title/heading as per the One Hundred Eighty Day Redemption Mortgage Act. The Mortgage generated through xxxxxx is the model form from xxxxxx. <br>- Seller-04/08/2026 | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). The borrowers bought this property from a foreclosure and the original owner has 180 days to reclaim the property if they choose to do so. - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 706<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.08 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864221 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 15:16 | 2026-04-09 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, GL states LOX for credit inquires not required - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED SECTION OF OUR GUIDELIENS REGARDING CREDIT INQUIRIES FOR CONSUMER PURPOSE LOANS - Seller-04/07/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED SECTION OF OUR GUIDELIENS REGARDING CREDIT INQUIRIES FOR CONSUMER PURPOSE LOANS - Seller-04/07/2026 | Resolved-Upon further review, GL states LOX for credit inquires not required - Due Diligence Vendor-04/09/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 811<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.45 |  | GUIDELINES ON CREDIT INQUIRIES.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864225 | xxxxxx D B A | Closed | xxxxxx | 2026-04-06 14:00 | 2026-04-09 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for both employers completed w/in 10 days of closing - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached VVOE - Seller-04/08/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verbal Verification of Employment (VVOE) or the Work Number completed within 10 days of closing. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Please see attached VVOE - Seller-04/08/2026 | Resolved-Received VVOE for both employers completed w/in 10 days of closing - Due Diligence Vendor-04/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.3 |  | VVOE for both employments.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864225 | xxxxxx D B A | Closed | xxxxxx | 2026-04-06 14:45 | 2026-04-07 16:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/07/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception for 75% LTV on a cash-out, 12-month P&L program. - Due Diligence Vendor-04/07/2026 |  | Waived-Waived to non-material with comp factors. - Due Diligence Vendor-04/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.3 | 766 FICO (actual is 758). |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 864228 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864229 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864234 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 10:53 | 2026-04-29 11:55 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/10/2026 <br> Open-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. - Due Diligence Vendor-04/08/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/10/2026 | Months Reserves exceed minimum required - The loan requires no reserves, however, the borrower has over 15 months reserves verified. <br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864235 | xxxxxx D B A | Closed | xxxxxx | 2026-04-02 09:48 | 2026-04-03 14:52 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Originator provided waiver for 4506T not being required for Notes dated prior to xxxxxx. Non Material finding with reviewed comp factors. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-please clear this item, the 4506-T is still being reviewed and tested - Seller-04/02/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Full doc loan-guide silent refer to xxxxxx - Due Diligence Vendor-04/02/2026 | Ready for Review-please clear this item, the 4506-T is still being reviewed and tested - Seller-04/02/2026 | Waived-Originator provided waiver for 4506T not being required for Notes dated prior to xxxxxx. Non Material finding with reviewed comp factors. - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 766<br> LTV is less than guideline maximum - Required is 85 Borrower has 65.62 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 864248 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 17:28 | 2026-04-10 15:58 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of xxxxxx was provided. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx The flood insurance has a start date of xxxxxx. The subject loan disbursed xxxxxx. No Flood policy covering the gap was identified - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026 | Resolved-Flood Insurance Effective Date of xxxxxx was provided. - Due Diligence Vendor-04/10/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.51<br> LTV is less than guideline maximum - Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 689 |  | FLOOD_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864304 | xxxxxx B A | Closed | xxxxxx | 2026-04-13 09:43 | 2026-04-13 10:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material finding - Due Diligence Vendor-04/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material finding - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.81 Required is 50 Borrower has 41.81<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 Required is 700 Borrower has 744 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864369 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864503 | xxxxxx B A | Closed | xxxxxx | 2026-04-20 13:48 | 2026-04-23 14:27 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated CBR. Borrower paid off xxxxxx xxxxxx which is an installment. Per GL, SOF is not required. Client provided updated 1003 and 1008, new DTI is 49.1 - Due Diligence Vendor-04/23/2026 <br> Open-Audited DTI of 50.05% exceeds Guideline DTI of 50% max DTI is 50% - Due Diligence Vendor-04/20/2026 |  | Resolved-Received updated CBR. Borrower paid off xxxxxx xxxxxx which is an installment. Per GL, SOF is not required. Client provided updated 1003 and 1008, new DTI is 49.1 - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799<br> On time mortgage history exceeds guideline requirement - 0x30 for 7+ years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865244 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 2000011311 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011321 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011364 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011371 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 07:43 | 2025-09-25 09:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client exception granted to allow 54 xxxxxx market score. Non-material waiver applied with comp factors. Deemed non-material due to only six points below minimum. - Due Diligence Vendor-09/25/2025 <br> Open-Market Score or Sub-Market Score must be 60 or greater as reflected on the Property Earning Potential Report. Score is 54. - Due Diligence Vendor-09/24/2025 |  | Waived-Client exception granted to allow 54 xxxxxx market score. Non-material waiver applied with comp factors. Deemed non-material due to only six points below minimum. - Due Diligence Vendor-09/25/2025 | DSCR % greater than 1.20 - 1.58 DSCR <br> Months Reserves exceed minimum required - 36 months reserves documented, 6 months required | DSCR > 1.3<br> 3+ years property ownership |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011396 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011398 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011403 | xxxxxx D B A | Closed | xxxxxx | 2025-10-07 08:51 | 2026-05-01 10:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Client exception granted to allow investor concentration > 60%, Non-materialwaiver applied with comp factors. non-material due to Value supported. - Due Diligence Vendor-10/07/2025 <br> Open-Non-warrantable due to % of rentals. Non-warrantable condominiums are ineligible. Lender exception in file - Due Diligence Vendor-10/07/2025 |  | Waived-Client exception granted to allow investor concentration > 60%, Non-materialwaiver applied with comp factors. non-material due to Value supported. - Due Diligence Vendor-10/07/2025 | Months Reserves exceed minimum required - Reserves = 71 months – Required Reserves = 6 Months<br> LTV is less than guideline maximum - 50% LTV, program allows 65% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011403 | xxxxxx D B A | Closed | xxxxxx | 2025-10-07 08:18 | 2025-10-07 17:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Upon further review flood cert in file. No further documentation required. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Flood cert was provided in the initial package. - Due Diligence Vendor-10/07/2025 <br> Open-Missing Flood Certificate Subject to review and possible additional conditions - Due Diligence Vendor-10/07/2025 |  | Resolved-Upon further review flood cert in file. No further documentation required. - Due Diligence Vendor-10/07/2025 | Months Reserves exceed minimum required - Reserves = 71 months – Required Reserves = 6 Months<br> LTV is less than guideline maximum - 50% LTV, program allows 65% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011409 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 09:18 | 2025-10-13 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Closing Detail Statement. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing fully executed final CD from closing. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025 | Resolved-Received Closing Detail Statement. - Due Diligence Vendor-10/13/2025 | Months Reserves exceed minimum required - 6 months reserves required - we have 41.48 mos of reserves remaining. <br> LTV is less than guideline maximum - LTV max is 75% - we are at 49.18% |  | CD Borrower.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011409 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 08:03 | 2025-10-10 11:46 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Upon further review, the HOA questionnaire in the loan file is complete. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. No each section is its own HOA, insurance list xxxxxx units and I even attached CPM that list each area as its own project and association while its listed under the phase it is the whole project, - Seller-10/09/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Condo Questionnaire is not fully completed. Need to complete Entire Project Section under project information (since project appears to have several phases). - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. No each section is its own HOA, insurance list xxxxxx units and I even attached CPM that list each area as its own project and association while its listed under the phase it is the whole project, - Seller-10/09/2025 | Resolved-Upon further review, the HOA questionnaire in the loan file is complete. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 6 months reserves required - we have 41.48 mos of reserves remaining. <br> LTV is less than guideline maximum - LTV max is 75% - we are at 49.18% |  | CPM.pdf<br> Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011409 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 09:23 | 2025-10-10 11:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Latest/Final Application Document | Resolved-Received Final 1003 for both Borrowers. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. attached - Seller-10/08/2025 <br> Open-Missing Final 1003 fully executed. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. attached - Seller-10/08/2025 | Resolved-Received Final 1003 for both Borrowers. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 6 months reserves required - we have 41.48 mos of reserves remaining. <br> LTV is less than guideline maximum - LTV max is 75% - we are at 49.18% |  | URLA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011409 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 08:55 | 2025-10-10 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received Affidavit for both Borrowers. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Fully executed xxxxxx Foreign National Affidavit was not in file. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 | Resolved-Received Affidavit for both Borrowers. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 6 months reserves required - we have 41.48 mos of reserves remaining. <br> LTV is less than guideline maximum - LTV max is 75% - we are at 49.18% |  | xxxxxx AFF.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011409 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 07:33 | 2025-10-10 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. attached bp aff - Seller-10/08/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Full executed Business Purpose Affidavit Disclosure is not in file. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. attached bp aff - Seller-10/08/2025 | Resolved-Received Business Purpose and Occupancy Affidavit. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 6 months reserves required - we have 41.48 mos of reserves remaining. <br> LTV is less than guideline maximum - LTV max is 75% - we are at 49.18% |  | BP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011409 | xxxxxx D A | Closed | xxxxxx | 2025-10-08 09:08 | 2025-10-08 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-After further review, the matrix indicates first time investors are allowed. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Foreign national. Should this be required? - Due Diligence Vendor-10/08/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Need to document history or owning and management a non owner occupied residential real estate for at least 1 year in the past 3 years. 1003 shows another property owned as an investment but no documentation in file was provided to meet guides above. - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, the matrix indicates first time investors are allowed. - Due Diligence Vendor-10/08/2025 | Months Reserves exceed minimum required - 6 months reserves required - we have 41.48 mos of reserves remaining. <br> LTV is less than guideline maximum - LTV max is 75% - we are at 49.18% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011424 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011438 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011452 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 16:13 | 2025-11-05 11:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves < 6 months, applied to non material finding with comp factors - Due Diligence Vendor-11/05/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-11/03/2025 <br> Counter-Review did not receive xxxxxx and conversion reflecting balance of $8323. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. xxxxxx = $1671. xxxxxx #xxxxxx = $10256 xxxxxx (2 accounts) = $3297 & $8323 = $11620 for grand total of $23547 and only need $3546 for closing leaves total of $20,001 for reserves - Seller-10/29/2025 <br> Open-Audited Reserves of 4.77 month(s) are less than Guideline Required Reserves of 6 month(s) provide adequate assets needed to fulfil the reserve requirement - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. xxxxxx = $1671. xxxxxx #xxxxxx = $10256 xxxxxx (2 accounts) = $3297 & $8323 = $11620 for grand total of $23547 and only need $3546 for closing leaves total of $20,001 for reserves - Seller-10/29/2025 | Waived-Client provided a waiver for reserves < 6 months, applied to non material finding with comp factors - Due Diligence Vendor-11/05/2025 | LTV is less than guideline maximum - Allowed is 75%, current is 70%<br> DSCR % greater than 1.20 - DSCR is 1.445 and minimum is 1. | DSCR > 1.3<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines. | xxxxxx.pdf<br> xxxxxx.pdf<br> xxxxxx-xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011452 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 14:19 | 2025-10-31 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert for calculation. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Missing Evidence of Property Tax Taxes are based on the unimproved value. Updated tax and millage are needed. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 | Resolved-Received property tax cert for calculation. - Due Diligence Vendor-10/31/2025 | LTV is less than guideline maximum - Allowed is 75%, current is 70%<br> DSCR % greater than 1.20 - DSCR is 1.445 and minimum is 1. |  | Bill Search Results created October 29th 2025 @ 10-17 am.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011453 | xxxxxx B A | Closed | xxxxxx | 2025-10-22 17:05 | 2025-10-23 08:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow for - allow up to 75% LTV on Short Term Rental. Max 70% LTV.<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/23/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception allowed for a 75% LTV approved <br> Max LTV of 70% for Short term Rental. - Due Diligence Vendor-10/22/2025 |  | Waived-Client exception granted to allow for - allow up to 75% LTV on Short Term Rental. Max 70% LTV.<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/23/2025 | Months Reserves exceed minimum required - 23 Months Reserves exceed minimum required of 6<br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less | +10 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011455 | xxxxxx B A | Closed | xxxxxx | 2025-10-22 09:19 | 2025-10-22 15:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/22/2025 <br> Open-Exception Approved: Loan does not conform to program guidelines. Loan is considered a cash out due to paying off cross-collateral balloon loan with this transaction(max LTV would be 70%). <br> Lender Exception Approval with compensating factors provided to allow subject loan to be treated as a rate and term refinance with max LTV as 75%. Non-material: No Cash in hand - Due Diligence Vendor-10/22/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/22/2025 | Months Reserves exceed minimum required - Borrower has 160.33 months of reserves and only needs 6 months of reserves to qualify.<br> Long term residence - Long Term Residence = 18+ years | -12+months reserves >than guidelines.<br> -3 year PPP<br> - Experienced Investor. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 2000011458 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 09:46 | 2025-10-28 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation to proceed with Note terms of 5/4/3 prepay. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Acceptable to proceed. Delivered as intended. Pricing will be reconciled downstream. - Due Diligence Vendor-10/27/2025 <br> Open-Tape shows 5/4/3/2/1 structure, actual note shows 5/4/3 structure. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received confirmation to proceed with Note terms of 5/4/3 prepay. - Due Diligence Vendor-10/28/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage history of 0X30X14 <br> Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011458 | xxxxxx C B A | Closed | xxxxxx | 2025-10-23 15:57 | 2025-10-24 09:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow 75% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max allowed. - Due Diligence Vendor-10/24/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Cash out max 70%-paying off cross collateral loan. - Due Diligence Vendor-10/23/2025 |  | Waived-Client exception granted to allow 75% LTV. Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max allowed. - Due Diligence Vendor-10/24/2025 | On time mortgage history exceeds guideline requirement - On Time Mortgage history of 0X30X14 <br> Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 | 12 plus months more of the reserves require of 6<br> 0x30x14 (audit comp factor) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011466 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 11:00 | 2025-11-05 11:06 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received correct secondary valuation. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-Desk review provided indicates a value of xxxxxx. However, the appraisal, pg 12 dated xxxxxx, reflects a value of xxxxxx. The CU in file reflects a score of 2.6, which does not support. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 | Resolved-Received correct secondary valuation. - Due Diligence Vendor-11/05/2025 | Months Reserves exceed minimum required - 9 months reserves; 6 months reserves required.<br> LTV is less than guideline maximum - LTV 63.15% LTV. Allowed 75% |  | xxxxxx_RDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011485 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 08:43 | 2025-10-31 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Received new account transaction-confirmation funds moved from other account noted. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. This was new CD borrower opened with funds from the other account in file #xxxxxx you can see the transfer on 8/11 - Seller-10/29/2025 <br> Open-Missing asset statement for xxxxxx Certificate of Deposit account xxxxxx as reflected on the final 1003, asset used for qualifying - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. This was new CD borrower opened with funds from the other account in file #xxxxxx you can see the transfer on 8/11 - Seller-10/29/2025 | Resolved-Received new account transaction-confirmation funds moved from other account noted. - Due Diligence Vendor-10/31/2025 | LTV is less than guideline maximum - LTV = 60% - Max LTV = 75%<br>Months Reserves exceed minimum required - Reserves = 26.11 months – Required Reserves = 6 Months |  | fb091c95-5406-41fb-b391-5c99cc877d9a.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011487 | xxxxxx C B A | Closed | xxxxxx | 2025-10-23 14:36 | 2025-10-30 12:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, PPP Rider to Mortgage is not a required document. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-PPP addendum is acceptable in lieu. PPP rider not required. - Due Diligence Vendor-10/28/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Prepayment Penalty Rider - Due Diligence Vendor-10/23/2025 |  | Resolved-Upon further review, PPP Rider to Mortgage is not a required document. - Due Diligence Vendor-10/30/2025 | Borrower down payment exceeds minimum require - $207k minimum down payment; total funds of $221,995<br> Months Reserves exceed minimum required - Reserves = 41.41 months – Required Reserves = 6 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011487 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 11:04 | 2025-10-28 11:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow Non-Warrantable condo not turned over, Non-materialwaiver applied with comp factors. non-material due to high percentage of units in the project are under contract. > 66% are primary residence and 2nd homes. HOA has designated turnover date. - Due Diligence Vendor-10/28/2025 <br> Open-New Condo Project must have: 50% of the total units in the project must be sold/conveyed AND at least 50% of the units must be OO; All common elements must be 100% complete; HOA should be in control - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted to allow Non-Warrantable condo not turned over, Non-materialwaiver applied with comp factors. non-material due to high percentage of units in the project are under contract. > 66% are primary residence and 2nd homes. HOA has designated turnover date. - Due Diligence Vendor-10/28/2025 | Borrower down payment exceeds minimum require - $207k minimum down payment; total funds of $221,995<br> Months Reserves exceed minimum required - Reserves = 41.41 months – Required Reserves = 6 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011488 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 11:45 | 2025-10-28 17:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-After further review, the lease is not required on 70% LTV or less. - Due Diligence Vendor-10/28/2025 <br> Open-Subject is a refinance of an investment property. Per the appraisal the subject is tenant occupied, missing the lease agreement. - Due Diligence Vendor-10/28/2025 |  | Resolved-After further review, the lease is not required on 70% LTV or less. - Due Diligence Vendor-10/28/2025 | Months Reserves exceed minimum required - 8.26 Months Reserves Verified exceed minimum required of 6<br> DSCR % greater than 1.20 - 1.21 DSCR % greater than 1.20 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011488 | xxxxxx D A | Closed | xxxxxx | 2025-10-27 19:11 | 2025-10-28 17:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, there are 12 months payments for the first mortgage with xxxxxx. There is a letter from the lender on the 2nd mortgage that no payments required. - Due Diligence Vendor-10/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the 12 month hosing history for the subject property. - Due Diligence Vendor-10/27/2025 |  | Resolved-After further review, there are 12 months payments for the first mortgage with xxxxxx. There is a letter from the lender on the 2nd mortgage that no payments required. - Due Diligence Vendor-10/28/2025 | Months Reserves exceed minimum required - 8.26 Months Reserves Verified exceed minimum required of 6<br> DSCR % greater than 1.20 - 1.21 DSCR % greater than 1.20 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011509 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 12:25 | 2025-11-07 12:29 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. correct effective date - Seller-11/06/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. correct effective date - Seller-11/06/2025 | Resolved-Received correct HOI. - Due Diligence Vendor-11/07/2025 | Months Reserves exceed minimum required - Max CLTV allowed = 75. The subject loan has a CLTV of 70%<br> Additional assets not used to qualify - Minimum reserves required = 6 months PITI(a) for the subject property. The borrower has 270.73 months PITI(a)<br>|  | Dec effective xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011509 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 12:39 | 2025-11-06 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-After further review, a valid VISA is in the loan file. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-The updated Visa is in the file. Expiration date xxxxxx. Please reconsider. - Due Diligence Vendor-11/06/2025 <br> Open-The VISA in the loan file was expired, and the guideline requires an updated VISA. Please provide. - Due Diligence Vendor-11/06/2025 |  | Resolved-After further review, a valid VISA is in the loan file. - Due Diligence Vendor-11/06/2025 | Months Reserves exceed minimum required - Max CLTV allowed = 75. The subject loan has a CLTV of 70%<br> Additional assets not used to qualify - Minimum reserves required = 6 months PITI(a) for the subject property. The borrower has 270.73 months PITI(a)<br>|  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011523 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 11:32 | 2025-11-17 13:25 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-After further review, the renewal policy is in the loan file. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Pages 762 and 763. - Due Diligence Vendor-11/17/2025 <br> Counter-Review is unable to locate renewal master HOI policy-please upload. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Renewal through xxxxxx is in the file. - Due Diligence Vendor-11/12/2025 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Master policy end date xxxxxx - Due Diligence Vendor-11/12/2025 |  | Resolved-After further review, the renewal policy is in the loan file. - Due Diligence Vendor-11/17/2025 | LTV is less than guideline maximum - 49.02% LTV below max allowed of 75%<br> Months Reserves exceed minimum required - 34.52 mos reserves; 6 mos required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011554 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 13:39 | 2025-11-19 14:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted to allow Loan Amount of xxxxxx which is less than the Guideline Minimum Loan Amount of $150000. Non-material waiver applied with comp factors. Deemed non-material.<br> - Due Diligence Vendor-11/19/2025 |  | Waived-Client exception granted to allow Loan Amount of xxxxxx which is less than the Guideline Minimum Loan Amount of $150000. Non-material waiver applied with comp factors. Deemed non-material.<br> - Due Diligence Vendor-11/19/2025 | LTV is less than guideline maximum - 65% LTV is less than guideline max of 70%<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Borrower has 1.129 Required is 0 Borrower has 1.129 | DSCR is 1.<br> Locked with prepay <br> Locked with escrows. <br> LTV is <=5% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011554 | xxxxxx B A | Closed | xxxxxx | 2025-11-18 13:55 | 2025-11-19 14:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | Required forms/disclosures missing | Waived-Client exception granted to allow expired passport as of xxxxxx however receipt for renewal payment was provided. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-11/19/2025 |  | Waived-Client exception granted to allow expired passport as of xxxxxx however receipt for renewal payment was provided. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-11/19/2025 | LTV is less than guideline maximum - 65% LTV is less than guideline max of 70%<br> DSCR =/> 1.00 and minimum is 0.85 or Less - Borrower has 1.129 Required is 0 Borrower has 1.129 | DSCR is 1.<br> Locked with prepay <br> Locked with escrows. <br> LTV is <=5% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011583 | xxxxxx D B A | Closed | xxxxxx | 2025-12-02 16:51 | 2025-12-08 09:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for square footage and no separate bedroom. Comparable properties are similar to subject and does not result in a marketability concern. - Due Diligence Vendor-12/08/2025 <br> Open-Property Issues are identified for the property Exception in file:<br> 1) subject is xxxxxx sq ft xxxxxx (Minimum 500 Square Feet, xxxxxx)<br> 2) no separate bedroom (minimum of one (1) bedroom)<br> - Due Diligence Vendor-12/02/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for square footage and no separate bedroom. Comparable properties are similar to subject and does not result in a marketability concern. - Due Diligence Vendor-12/08/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Needed is 6, qualified at 26 | 10+ mos reserves<br> 65% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011583 | xxxxxx D B A | Closed | xxxxxx | 2025-12-02 16:52 | 2025-12-08 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/08/2025 <br> Open-Exception in file: New construction project eligibility requirements not met (50% of the total units in the project or subject's phase must be sold and conveyed to the unit owners AND at least 50% of the units must be owner occupied.) - Due Diligence Vendor-12/02/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/08/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Needed is 6, qualified at 26 | 10+ mos reserves<br> 65% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011583 | xxxxxx D B A | Closed | xxxxxx | 2025-12-02 16:38 | 2025-12-04 17:30 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-After further review, there is a witness signature on the Mortgage. - Due Diligence Vendor-12/04/2025 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Deed/Mortgage is missing the required witness signature(s) - Due Diligence Vendor-12/02/2025 |  | Resolved-After further review, there is a witness signature on the Mortgage. - Due Diligence Vendor-12/04/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Needed is 6, qualified at 26 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011583 | xxxxxx D B A | Closed | xxxxxx | 2025-12-02 16:21 | 2025-12-04 17:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Conservative tax calculation made due to xxxxxx. - Due Diligence Vendor-12/04/2025 <br> Open-Missing Evidence of Property Tax Missing tax cert to support taxes collected on Final CD - Due Diligence Vendor-12/02/2025 |  | Resolved-Conservative tax calculation made due to xxxxxx. - Due Diligence Vendor-12/04/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - Needed is 6, qualified at 26 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011586 | xxxxxx C A | Closed | xxxxxx | 2025-12-02 12:23 | 2025-12-02 15:20 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-The form is strongly recommended but no longer required. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-ACH is no longer required per guides. - Due Diligence Vendor-12/02/2025 <br> Open-Foreign National but the ACH form is Missing from file. ACH Form is in file. However, banking information is missing and not completed. - Due Diligence Vendor-12/02/2025 |  | Resolved-The form is strongly recommended but no longer required. - Due Diligence Vendor-12/02/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Borrower DSCR is 1.002. Required is 0.75 Borrower has 1.002<br> Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 32.23 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011593 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011595 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011602 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011638 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 08:54 | 2026-01-12 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/07/2026 | Resolved-Received guaranty agreement - Due Diligence Vendor-01/09/2026 | Additional assets not used to qualify - Borrower receiving cash out that could be used for additional reserves if needed.<br> CLTV is less than guidelines maximum - Max LTV 70% and qualifying at only 60%. |  | Guaranty Agreement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011639 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011640 | xxxxxx C A | Closed | xxxxxx | 2026-01-04 19:15 | 2026-01-09 11:01 | 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-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Sch A; Legal - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/09/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - 1.067 DSCR<br> Months Reserves exceed minimum required - 100 mths reserves; 6 mths required. |  | xxxxxx REC 4 Mortgage - recorded.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011641 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011642 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011643 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 08:32 | 2026-04-29 12:51 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Please see the CDA uploaded. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026 | Resolved-Received secondary valuation. - Due Diligence Vendor-01/06/2026 | Months Reserves exceed minimum required - 10.16 months reserves; 2 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 781 guidelines require 640 minimum. |  | xxxxxx - CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011647 | xxxxxx C A | Closed | xxxxxx | 2026-01-20 15:07 | 2026-02-19 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx affidavit for both borrowers. - Due Diligence Vendor-02/19/2026 <br> Counter-Document Uploaded. Please see for B1 - Due Diligence Vendor-02/18/2026 <br> Counter-Received xxxxxx Foreign Nat Affidavit for B2. Missing complete form for B1 - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. (1) Form not signed\completed by B1.<br> (2) Form not signed\completed by B2. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 | Resolved-Received xxxxxx affidavit for both borrowers. - Due Diligence Vendor-02/19/2026 | LTV is less than guideline maximum - 50% is less than guide max of 75%<br> DSCR % greater than 1.20 - 1.297% DSCR, 1 required |  | xxxxxx - Borr 2 xxxxxx Foreign Natl.pdf<br> B1 FN Affidavit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011662 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011663 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011688 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 22:57 | 2026-01-14 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Fraud - Seller-01/13/2026 <br> Open-Missing Third Party Fraud Report. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Fraud - Seller-01/13/2026 | Resolved-Received fraud report. - Due Diligence Vendor-01/14/2026 | Months Reserves exceed minimum required - 6 months min with 9.55 months provided<br> LTV is less than guideline maximum - 63% LTV; max 65% LTV required |  | Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011694 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 15:04 | 2026-03-26 11:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for 80% LTV for rural property refinance > 75% maximum, applied to non material finding with comp factors - Due Diligence Vendor-03/26/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-03/26/2026 <br> Counter-xxxxxx Guidelines: Rural: Max LTV/CLTV 80% Purchase, 75% Refinance. This is a refinance transaction. Please request for exception. - Due Diligence Vendor-03/23/2026 <br> Counter-Received variance approval for xxxxxx allowing rural properties. Original finding remains. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-From Seller: Document Uploaded. I don't believe this is an accurate condition as guidelines show 80%ltv. In addition, xxxxxx is approved to deliver seconds at 80% thus first mtges at 80% should be fine as well. xxxxxx. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. I dont believe this is an accurate condition as guidelines show 80%ltv. In addition, xxxxxx is approved to deliver seconds at 80% thus first mtges at 80% should be fine as well. xxxxxx. - Seller-03/20/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% As subject location is xxxxxx- max LTV is 75% for a Refinance. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. I dont believe this is an accurate condition as guidelines show 80%ltv. In addition, xxxxxx is approved to deliver seconds at 80% thus first mtges at 80% should be fine as well. xxxxxx. - Seller-03/20/2026 | Waived-Client provided a waiver for 80% LTV for rural property refinance > 75% maximum, applied to non material finding with comp factors - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit score 726<br> Months Reserves exceed minimum required - Reserves 29 months | Credit Score 30+ points > minimum required <br> Primary Ownership >2 years<br> 0x30 for 24 months on all mortgages | variance approval for rural CES xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011694 | xxxxxx C B A | Closed | xxxxxx | 2026-02-24 13:37 | 2026-03-26 11:52 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Operating Agreement confirming percentage of ownership in qualifying business. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. please see attached operating stmt for business & top of page 2 identifies the 81% ownership of our borrower. xxxxxx. - Seller-03/25/2026 <br> Open-Income and Employment Do Not Meet Guidelines Document the borrower's % of ownership of xxxxxx (CPA letter, Tax Preparer letter, operating agreement, or equivalent reflecting the borrower's ownership percentage). Currently the only document in file verifying Brws ownership % is a self prepared business narrative form. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. please see attached operating stmt for business & top of page 2 identifies the 81% ownership of our borrower. xxxxxx. - Seller-03/25/2026 | Resolved-Received Operating Agreement confirming percentage of ownership in qualifying business. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit score 726<br> Months Reserves exceed minimum required - Reserves 29 months |  | xxxxxx business operating agreement xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011694 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 11:05 | 2026-02-23 11:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/23/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit score 726<br> Months Reserves exceed minimum required - Reserves 29 months |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011695 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011696 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 11:48 | 2026-04-30 19:14 | 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-04/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal description - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026 | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 745<br> LTV is less than guideline maximum - Required is 80 Borrower has 68 |  | xxxxxx Mtg.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011696 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 13:35 | 2026-01-22 04:43 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Per the guidelines the project developer may be in control of the condominium association provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame, which was provided on the HOA cert (90%). - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Please see Guideline 2.10.6.3 (New Projects) The project developer may be in control of the condominium association provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-Builder is in control of HOA - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026 | Resolved-Per the guidelines the project developer may be in control of the condominium association provided the Master Agreement allows for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time frame, which was provided on the HOA cert (90%). - Due Diligence Vendor-01/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 745<br> LTV is less than guideline maximum - Required is 80 Borrower has 68 |  | xxxxxx_xxxxxx QUESTIONNAIRE.pdf<br> xxxxxx Property - xxxxxx - Executed Contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011696 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 13:35 | 2026-01-15 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified purchase contract. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026 | Resolved-Received ratified purchase contract. - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 745<br> LTV is less than guideline maximum - Required is 80 Borrower has 68 |  | xxxxxx Property - xxxxxx - Executed Contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011696 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 13:56 | 2026-01-15 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Missing Flood Certificate - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026 | Resolved-Received flood cert. - Due Diligence Vendor-01/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 745<br> LTV is less than guideline maximum - Required is 80 Borrower has 68 |  | xxxxxx Certificate_xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011697 | xxxxxx D B A | Closed | xxxxxx | 2025-12-30 12:09 | 2026-01-08 14:24 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Loan corrected to Correspondent and guides allow for a 1007. - Due Diligence Vendor-01/08/2026 <br> Counter-Received duplicate 1007 for seasonal short term rental. Original finding remains. - Due Diligence Vendor-01/08/2026 <br> Open-Missing Third Party Market Rent Source Per guides - xxxxxx Form 1007 no longer be acceptable documentation to calculate gross monthly rent for short-term rental property. Short-term rents can be documented with one of the following options depending upon the transaction: • Alternative Short-Term Rent Analysis form developed by an xxxxxx • 12-month look back on rents received using bank statements or 3rd party rental statements • xxxxxx Property Earning Potential Report - Due Diligence Vendor-12/30/2025 |  | Resolved-Loan corrected to Correspondent and guides allow for a 1007. - Due Diligence Vendor-01/08/2026 | Months Reserves exceed minimum required - 246 mths reserves; 2 mths required.<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 782 |  | xxxxxx 1007.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011697 | xxxxxx D B A | Closed | xxxxxx | 2025-12-29 17:15 | 2025-12-30 12:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow Non-warrantable condo due to single investor ownership exceeds the guideline maximum of 20%. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/30/2025 <br> Open-Lender Exception on file - Non-warrantable condo due to single investor ownership exceeds the guideline maximum of 20% - Due Diligence Vendor-12/30/2025 |  | Waived-Client exception granted to allow Non-warrantable condo due to single investor ownership exceeds the guideline maximum of 20%. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/30/2025 | Months Reserves exceed minimum required - 246 mths reserves; 2 mths required.<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 782 | Credit, housing payment history, reserves, experienced investor |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011713 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 21:57 | 2026-02-06 10:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Missing Income Documentation. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-This is business (co-mingled) bank statement there is no business bank statement. - Seller-02/04/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documentation from CPA and 2 months Business bank statement - Due Diligence Vendor-01/06/2026 | Ready for Review-This is business (co-mingled) bank statement there is no business bank statement. - Seller-02/04/2026 | Resolved-Received Missing Income Documentation. - Due Diligence Vendor-02/06/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 21:31 | 2026-02-06 10:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender confirmed this is a co-mingled account, no expense factor applies. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-This is comingled (business account) not personal account option. - Seller-01/08/2026 <br> Open-Income and Employment Do Not Meet Guidelines Per Program 12 months Personal bank statement and 2 Business statement, Missing the 2 Business Bank Statement, if borrower is consider a sole proprietor, need CPA letter to confirm 2 years of self employee history and Expenses factor. - Due Diligence Vendor-01/06/2026 | Ready for Review-This is comingled (business account) not personal account option. - Seller-01/08/2026 | Resolved-Lender confirmed this is a co-mingled account, no expense factor applies. - Due Diligence Vendor-01/09/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 17:24 | 2026-02-06 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparer letter. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-Borrower 1 CPA Letter Missing Verify that the borrower has 100% ownership of the business by providing one of the following: CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026 | Resolved-Received tax preparer letter. - Due Diligence Vendor-02/06/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  | Letter2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 17:41 | 2026-01-27 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report within 10 days of Closing/Note date. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026 | Resolved-Received UDM. - Due Diligence Vendor-01/27/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  | Drive xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 13:51 | 2026-01-14 07:34 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx, LOX, copy of check and evidence of delivery. Finding cured. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. xxxxxx tracking info - Seller-01/13/2026 <br> Counter------Received PCCD xxxxxx, LOX and copy of check. Provide evidence of delivery. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. refund check, post-closing CD and LOE - Seller-01/12/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($455.00) exceed the comparable charges ($390.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $26.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $26.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded.xxxxxx tracking info - Seller-01/13/2026 <br> Ready for Review-Document Uploaded. refund check, post-closing CD and LOE - Seller-01/12/2026 | Cured------Received PCCD xxxxxx, LOX, copy of check and evidence of delivery. Finding cured. - Due Diligence Vendor-01/14/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  | SKM_C250i xxxxxx.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 17:46 | 2026-01-09 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-After further review, the fraud report was run with the middle initial and cleared. - Due Diligence Vendor-01/09/2026 <br> Counter-For clarification: Fraud Report reflects Medium Open Alert and OFAC Fail. Please provide update reflecting Medium Alert cleared and OFAC clearance report for MLO. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Please clarify why this constitutes an incomplete report. - Due Diligence Vendor-01/07/2026 <br> Open-Third Party Fraud Report Partially Provided Provide a Fraud Report, clear of Alerts, with OFAC score that is not Fail. - Due Diligence Vendor-01/05/2026 |  | Resolved-After further review, the fraud report was run with the middle initial and cleared. - Due Diligence Vendor-01/09/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011719 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-05 12:46 | 2026-01-05 12:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/05/2026 | Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 30.37%<br> Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 793 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011730 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011731 | xxxxxx D A | Closed | xxxxxx | 2026-01-12 13:38 | 2026-01-16 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received purchase contract addendum 1 - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Addendum 1 - Seller-01/15/2026 <br> Counter-Received contract addendum 2 reflecting borrower as LLC. Review file does not have Purchase Contract Addendum 1. Please provide. - Due Diligence Vendor-01/15/2026 <br> Counter-Received purchase contract addendum 2 reflecting vested entity. Missing Addendum 1. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Contract Addendum - Seller-01/13/2026 <br> Open-Missing copy of the Purchase Contract Addendum reflect correct vesting in the name of the LLC . - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Addendum 1 - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. Contract Addendum - Seller-01/13/2026 | Resolved-Received purchase contract addendum 1 - Due Diligence Vendor-01/16/2026 | Long term residence - Long Term Residence = 6+ years<br>Months Reserves exceed minimum required - Reserves = 27 months – Required Reserves = 6 Months |  | Addendum.pdf<br> Addendum 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011731 | xxxxxx D A | Closed | xxxxxx | 2026-01-08 12:03 | 2026-01-14 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller CD. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Seller CD - Seller-01/12/2026 <br> Open-The Final SELLER CD/HUD is missing. The Seller CD is required. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Seller CD - Seller-01/12/2026 | Resolved-Received seller CD. - Due Diligence Vendor-01/14/2026 | Long term residence - Long Term Residence = 6+ years<br>Months Reserves exceed minimum required - Reserves = 27 months – Required Reserves = 6 Months |  | Seller CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011731 | xxxxxx D A | Closed | xxxxxx | 2026-01-07 09:44 | 2026-01-14 10:25 | 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-01/14/2026 <br> Ready for Review-Document Uploaded. Recorded Mortgage - Seller-01/12/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing The Legal Description attached to the Mortgage. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Recorded Mortgage - Seller-01/12/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/14/2026 | Long term residence - Long Term Residence = 6+ years<br>Months Reserves exceed minimum required - Reserves = 27 months – Required Reserves = 6 Months |  | Recorded Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011732 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011734 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 12:30 | 2026-01-27 10:05 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx Foreign National Affidavit - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/26/2026 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. - provided however its check boxed not foreign national. However borrower is foreign national. form to be corrected. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received xxxxxx Foreign National Affidavit - Due Diligence Vendor-01/27/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 65 qualifying LTV 65% max 75%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.054 DSCR |  | xxxxxx - Foregin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011735 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 09:18 | 2026-02-18 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final certified seller settlement statement. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/17/2026 <br> Ready for Review-See attached final Closing Statement. - Due Diligence Vendor-02/17/2026 <br> Counter-Received seller CD. Missing certified final CD. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received final certified seller settlement statement. - Due Diligence Vendor-02/18/2026 | Long term residence - Long Term Residence = 2+ years<br>Months Reserves exceed minimum required - 11.73 Months Reserves exceed 6 month minimum required |  | Final Seller CD.pdf<br> xxxxxx_xxxxxx_131149.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011735 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 10:43 | 2026-01-21 18:14 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Condo cert. to be used as final validation. - Due Diligence Vendor-01/21/2026 <br> Open-Appraiser to correct report to match questionnaire (total units, rented/OO) - Due Diligence Vendor-01/21/2026 |  | Resolved-Condo cert. to be used as final validation. - Due Diligence Vendor-01/21/2026 | Long term residence - Long Term Residence = 2+ years<br>Months Reserves exceed minimum required - 11.73 Months Reserves exceed 6 month minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011736 | xxxxxx D A B | Closed | xxxxxx | 2026-02-27 14:58 | 2026-03-19 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the country of origin on on the 1003 under section 8. - Due Diligence Vendor-03/19/2026 <br> Counter-Review concurs ITIN and photo id provided. Country of origin is collected and may be provide on 1003 or by passport from country of origin. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Per your guidelines, this is the required info & there is no reference to the need for proof of country of origin. Please escalate as this meets the required info:<br> Documentation Requirements:<br> o Copy of unexpired government-issued ID (e.g., passport, Matricula Consular, xxxxxx State-issued ID), and<br> o Copy of ITIN card or letter from IRS assigning the ITIN number to the borrower.<br> Proof ITIN was assigned to the borrower prior to application.<br> IRS form W7 is not acceptable evidence if the ITIN letter is not provided, or if the ITIN letter<br> submitted is not legible.<br> Guideline restrictions:<br> o Borrowers who reside in a foreign country are ineligible.<br> o Non-occupant co-borrowers are not allowed.<br> - Seller-03/17/2026 <br> Counter-Received drivers license and ITIN. Missing documentation confirming country of origin. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. closed under the ITIN program with valid license & ITIN proof. xxxxxx. - Seller-03/11/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing evidence of Country of Origin for both borrowers - Due Diligence Vendor-02/27/2026 | Ready for Review-Per your guidelines, this is the required info & there is no reference to the need for proof of country of origin. Please escalate as this meets the required info:<br> Documentation Requirements:<br> o Copy of unexpired government-issued ID (e.g., passport, xxxxxx-issued ID), and<br> o Copy of ITIN card or letter from IRS assigning the ITIN number to the borrower.<br> Proof ITIN was assigned to the borrower prior to application.<br> IRS form W7 is not acceptable evidence if the ITIN letter is not provided, or if the ITIN letter<br> submitted is not legible.<br> Guideline restrictions:<br> o Borrowers who reside in a foreign country are ineligible.<br> o Non-occupant co-borrowers are not allowed.<br> - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. closed under the ITIN program with valid license & ITIN proof. xxxxxx. - Seller-03/11/2026 | Resolved-After further review, the country of origin on on the 1003 under section 8. - Due Diligence Vendor-03/19/2026 | Qualifying DTI below maximum allowed - Maximum DTI 50, borrower has 30.4<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, borrower has 7.47 months. |  | xxxxxx b1 ITIN 03112026.pdf<br> xxxxxx b1 license 03112026.pdf<br> xxxxxx b2 license 03112026.pdf<br> xxxxxx b2 ITIN 03112026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011736 | xxxxxx D A B | Closed | xxxxxx | 2026-02-25 13:11 | 2026-03-04 07:38 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received lender attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026 | Qualifying DTI below maximum allowed - Maximum DTI 50, borrower has 30.4<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, borrower has 7.47 months. |  | xxxxxx no affiliates 03022026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011738 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 16:20 | 2026-01-13 09:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Seller payoff provided. Additional funds is interest on the first lien. There is no second unrecorded lien. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Please explain 2nd lien? This is purchase not a refinance. - Seller-01/09/2026 <br> Open-Property Title Issue 2nd lien is not reporting on title. - Due Diligence Vendor-01/08/2026 | Ready for Review-Please explain 2nd lien? This is purchase not a refinance. - Seller-01/09/2026<br>| Resolved-Seller payoff provided. Additional funds is interest on the first lien. There is no second unrecorded lien. - Due Diligence Vendor-01/13/2026 | Months Reserves exceed minimum required - 14 months exceeds 6 months per guides<br>Long term residence - 19 years at primary residence per URLA. |  | Payoff Good Through 11.30.pdf<br>Satisfaction - Executed Satisfaction of Mortgage.pdf.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011738 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 16:33 | 2026-01-09 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review, the lender's guides only strongly recommend the ACH form. - Due Diligence Vendor-01/09/2026 <br> Open-Foreign National but the ACH form is Missing from file. ACH form is not completed - Due Diligence Vendor-01/08/2026 |  | Resolved-After further review, the lender's guides only strongly recommend the ACH form. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 14 months exceeds 6 months per guides<br>Long term residence - 19 years at primary residence per URLA. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011738 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 15:35 | 2026-01-09 12:45 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-HOA is the plaintiff, the litigation involves a contact dispute. - Due Diligence Vendor-01/09/2026 <br> Open-The condo project has pending litigation. - Due Diligence Vendor-01/09/2026 |  | Resolved-HOA is the plaintiff, the litigation involves a contact dispute. - Due Diligence Vendor-01/09/2026 | Months Reserves exceed minimum required - 14 months exceeds 6 months per guides<br>Long term residence - 19 years at primary residence per URLA. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011741 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011763 | xxxxxx D B A | Closed | xxxxxx | 2026-01-09 12:28 | 2026-04-29 12:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/09/2026 | Qualifying DTI below maximum allowed - 50 DTI max - 30.07% loan DTI<br>CLTV is less than guidelines maximum - 70% max CLTV - loan has 62.88% CLTV |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011763 | xxxxxx D B A | Closed | xxxxxx | 2026-01-09 12:28 | 2026-01-14 07:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-There is no formal escrow waiver. CD is used. Additionally this is a closed end second. - Due Diligence Vendor-01/13/2026 <br> Open-Escrow Waiver is Missing -----Escrow Waiver is missing - Due Diligence Vendor-01/09/2026 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 | Qualifying DTI below maximum allowed - 50 DTI max - 30.07% loan DTI<br>CLTV is less than guidelines maximum - 70% max CLTV - loan has 62.88% CLTV |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011763 | xxxxxx D B A | Closed | xxxxxx | 2026-01-09 13:34 | 2026-01-14 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-$225 is not a transfer tax fee, xxxxxx housing and disclose as part of the recording fee - Seller-01/13/2026 <br> Ready for Review-$225 is not a transfer tax fee, xxxxxx housing and disclose as part of the recording fee - Due Diligence Vendor-01/13/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $225.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/09/2026 | Ready for Review-$225 is not a transfer tax fee, xxxxxx housing and disclose as part of the recording fee - Seller-01/13/2026 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 | Qualifying DTI below maximum allowed - 50 DTI max - 30.07% loan DTI<br>CLTV is less than guidelines maximum - 70% max CLTV - loan has 62.88% CLTV |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011763 | xxxxxx D B A | Closed | xxxxxx | 2026-01-09 13:34 | 2026-01-14 07:26 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. audit log shows borrower review LE on xxxxxx same day as it was disclosed - Seller-01/13/2026 <br> Ready for Review-Document Uploaded. audit log shows borrower review LE on xxxxxx same day as it was disclosed - Due Diligence Vendor-01/13/2026 <br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. -----Revised LE issued and received by borrower xxxxxx on same date xxxxxx. Per statute, there is no cure for this violation. statute of Limitations - 1 year, expiration date xxxxxx.<br> Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. audit log shows borrower review LE on xxxxxx same day as it was disclosed - Seller-01/13/2026 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-01/14/2026 | Qualifying DTI below maximum allowed - 50 DTI max - 30.07% loan DTI<br>CLTV is less than guidelines maximum - 70% max CLTV - loan has 62.88% CLTV |  | audit log.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011776 | xxxxxx C A | Closed | xxxxxx | 2026-01-15 19:26 | 2026-01-23 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Upon further review, the loan file contained all required short term rental analysis documentation. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-See attached 1007 - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-Missing Short Term Rental documentation. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-Upon further review, the loan file contained all required short term rental analysis documentation. - Due Diligence Vendor-01/23/2026 | Months Reserves exceed minimum required - 65.38 months reserves; 6 months reserves required.<br>Long term residence - 4 years. |  | CFMTG - LENDER CERT - STR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011776 | xxxxxx C A | Closed | xxxxxx | 2026-01-12 06:59 | 2026-01-21 18:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description was provided. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-See attached Legal description - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-Legal description was provided. - Due Diligence Vendor-01/21/2026 | Months Reserves exceed minimum required - 65.38 months reserves; 6 months reserves required.<br>Long term residence - 4 years. |  | Legal Description.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011779 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 14:58 | 2026-04-22 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. gap credit report attached. xxxxxx. - Seller-03/27/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Guidelines state a gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30-days prior to loan closing or any time after closing. The loan file only contains credit supplements. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. gap credit report attached. xxxxxx. - Seller-03/27/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/27/2026 | Long term residence - Borrowers have resided in the subject property for 52 years.<br>CLTV is less than guidelines maximum - Maximum CLTV allowed is 75%. Subject CLTV is 52.82%. |  | xxxxxx b1 gap credit 03262026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011779 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 14:58 | 2026-04-22 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. B2 gap credit attached. xxxxxx. - Seller-03/26/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Guidelines state a gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30-days prior to loan closing or any time after closing. The loan file only contains credit supplements. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. B2 gap credit attached. xxxxxx. - Seller-03/26/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/27/2026 | Long term residence - Borrowers have resided in the subject property for 52 years.<br>CLTV is less than guidelines maximum - Maximum CLTV allowed is 75%. Subject CLTV is 52.82%. |  | xxxxxx b2 gap credit report 03252026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011779 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 10:40 | 2026-04-22 11:16 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received corrected ROR reopening rescission to xxxxxx. Consummation and disbursement date did not change. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Counter-From TPR: You must provide a PCCD with corrected disbursement date and reopen rescission providing a new fully executed ROR. Finding remains. xxxxxx! - Due Diligence Vendor-04/22/2026 <br> Counter-You must provide a PCCD with corrected disbursement date and reopen rescission providing a new fully executed ROR. Finding remains - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please find reopened/resigned RTC docs. The new rescission period is set to expire midnight xxxxxx. xxxxxx. - Seller-04/21/2026 <br> Ready for Review-From Seller; Document Uploaded. please find the new rtc docs attached with new period set to expire midnight xxxxxx. xxxxxx. - Due Diligence Vendor-04/21/2026 <br> Counter-TPR Counter: The date of consummation is xxxxxx as this is the date the Notary acknowledged borrowers signature on the Mortgage which is the legal document. If the Notary date is incorrect, a xxxxxx affidavit must be provided with the intent to record. If the Notary date is correct, you must provide a PCCD with corrected disbursement date and reopen rescission providing a new fully executed ROR. Finding remains. - Due Diligence Vendor-04/09/2026 <br> Counter-The date of consummation is xxxxxx as this is the date the Notary acknowledged borrowers signature on the Mortgage which is the legal document. If the Notary date is incorrect, a xxxxxx affidavit must be provided with the intent to record. If the Notary date is correct, you must provide a PCCD with corrected disbursement date and reopen rescission providing a new fully executed ROR. Finding remains - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Seller Response: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-The date of the transaction is xxxxxx as that is the date the material disclosures and the note were signed. The borrower received the material disclosures required by 12 CFR §1026.23(a)(3) and the material terms of the transaction did not change. The mortgage is not a material disclosure and thus the rescission period would not need to be re-opened. Spouse was added to title at closing & note but didnt sign mortgage that day so it was corrected before the loan funded. A new RTC period should not be necessary per our legal dept. - Seller-04/06/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----The Cancel of Date on the Right to Cancel doc is xxxxxx, which is prior to the Notary/Transaction Date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days and clarify the date of the transaction.<br> - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please find reopened/resigned RTC docs. The new rescission period is set to expire midnight xxxxxx. xxxxxx. - Seller-04/21/2026 <br> Ready for Review-The date of the transaction is xxxxxx as that is the date the material disclosures and the note were signed. The borrower received the material disclosures required by 12 CFR §1026.23(a)(3) and the material terms of the transaction did not change. The mortgage is not a material disclosure and thus the rescission period would not need to be re-opened. Spouse was added to title at closing & note but didnt sign mortgage that day so it was corrected before the loan funded. A new RTC period should not be necessary per our legal dept. - Seller-04/06/2026 | Resolved-Received corrected ROR reopening rescission to xxxxxx. Consummation and disbursement date did not change. Finding Resolved. - Due Diligence Vendor-04/22/2026 | Long term residence - Borrowers have resided in the subject property for 52 years.<br>CLTV is less than guidelines maximum - Maximum CLTV allowed is 75%. Subject CLTV is 52.82%. |  | xxxxxx resigned new rtc docs 04212026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011779 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:28 | 2026-04-22 11:16 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected ROR reopening rescission to xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. please find the new rtc docs attached with new period set to expire midnight xxxxxx. xxxxxx. - Seller-04/21/2026 <br> Ready for Review-From Seller; Document Uploaded. please find the new rtc docs attached with new period set to expire midnight xxxxxx. xxxxxx. - Due Diligence Vendor-04/21/2026 <br> Counter-TPR Counter: The date of consummation is xxxxxx as this is the date the Notary acknowledged borrowers signature on the Mortgage which is the legal document. If the Notary date is incorrect, a xxxxxx affidavit must be provided with the intent to record. If the Notary date is correct, you must provide a PCCD with corrected disbursement date and reopen rescission providing a new fully executed ROR. Finding remains. - Due Diligence Vendor-04/09/2026 <br> Counter-The date of consummation is xxxxxx as this is the date the Notary acknowledged borrowers signature on the Mortgage which is the legal document. If the Notary date is incorrect, a xxxxxx affidavit must be provided with the intent to record. If the Notary date is correct, you must provide a PCCD with corrected disbursement date and reopen rescission providing a new fully executed ROR. Finding remains - Due Diligence Vendor-04/09/2026 <br> Ready for Review-The date of the transaction is xxxxxx as that is the date the material disclosures and the note were signed. The borrower received the material disclosures required by 12 CFR §1026.23(a)(3) and the material terms of the transaction did not change. The mortgage is not a material disclosure and thus the rescission period would not need to be re-opened. Spouse was added to title at closing & note but didnt sign mortgage that day so it was corrected before the loan funded. - Seller-04/06/2026 <br> Ready for Review-Seller Response: This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/06/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary dated is xxxxxx, which is after Final CD date signed at closing of xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. please find the new rtc docs attached with new period set to expire midnight xxxxxx. xxxxxx. - Seller-04/21/2026 <br> Ready for Review-The date of the transaction is xxxxxx as that is the date the material disclosures and the note were signed. The borrower received the material disclosures required by 12 CFR §1026.23(a)(3) and the material terms of the transaction did not change. The mortgage is not a material disclosure and thus the rescission period would not need to be re-opened. Spouse was added to title at closing & note but didnt sign mortgage that day so it was corrected before the loan funded. - Seller-04/06/2026 | Resolved-Received corrected ROR reopening rescission to xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 | Long term residence - Borrowers have resided in the subject property for 52 years.<br>CLTV is less than guidelines maximum - Maximum CLTV allowed is 75%. Subject CLTV is 52.82%. |  | xxxxxx resigned new rtc docs 04212026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011779 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:58 | 2026-04-22 11:14 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. e consent attached & both borrowers are shown on the document. xxxxxx. - Seller-03/26/2026 <br> Open-Missing e-Consent. Provide missing e-consent and borrower's acknowledgment - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. e consent attached & both borrowers are shown on the document. xxxxxx. - Seller-03/26/2026<br>| Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/27/2026 | Long term residence - Borrowers have resided in the subject property for 52 years.<br>CLTV is less than guidelines maximum - Maximum CLTV allowed is 75%. Subject CLTV is 52.82%. |  | xxxxxx econsent acknowledgement 03252026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011791 | xxxxxx B A | Closed | xxxxxx | 2026-01-21 07:50 | 2026-01-21 07:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/21/2026 |  | Waived-Per xxxxxxS.A 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-01/21/2026 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 6.25 months of verified reserves.<br>Long term residence - Borrower has owned primary residence for 7 years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011804 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 15:14 | 2026-02-20 15:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Borrower is a foreign national with xxxxxx credit, escrow waiver is allowed. Client exception granted, waiver applied with comp factors. Deemed non-material due to FICO only short by 11 points required for waiver.<br> - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Unable to Resolve-Borrower is a FN. The open credit trades are all satisfactory and without any lates. - Seller-02/19/2026 <br> Open-Audited FICO of 709 is less than Guideline FICO of 720 Escrows are waived. Per lender guidelines a minimum credit score of 720 is required to waive escrows. - Due Diligence Vendor-02/10/2026 | Ready for Review-Unable to Resolve-Borrower is a FN. The open credit trades are all satisfactory and without any lates. - Seller-02/19/2026<br>| Waived-Borrower is a foreign national with xxxxxx credit, escrow waiver is allowed. Client exception granted, waiver applied with comp factors. Deemed non-material due to FICO only short by 11 points required for waiver.<br> - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - LTV 59.69%. Allowed LTV 65%<br>Months Reserves exceed minimum required - 830 months reserves; 12 months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011804 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 14:50 | 2026-02-20 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM clearance. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see SAM.gov for xxxxxx. - Due Diligence Vendor-02/19/2026 <br> Counter-Received fraud report. Missing SAM clearance for xxxxxx noted as Other on interested party list. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Fraud report attached. - Seller-02/18/2026 <br> Open-Missing Third Party Fraud Report OFAC must be checked, high alerts to be addressed - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Fraud report attached. - Seller-02/18/2026<br>| Resolved-Received SAM clearance. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - LTV 59.69%. Allowed LTV 65%<br>Months Reserves exceed minimum required - 830 months reserves; 12 months reserves required. |  | Fraud Report.pdf<br> xxxxxx.pdf<br> xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011804 | xxxxxx D B A | Closed | xxxxxx | 2026-02-10 15:19 | 2026-02-12 12:25 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Document Uploaded. Client Waiver applied to Non-Material Finding with Comp Factors. Cash Out Amount exceeds $500,000 - Due Diligence Vendor-02/12/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Cash out exceeds Maximum amount of $500,000, borrower received over $800K-delayed financing cash in hand rule applies to foreign nationals. Missing client exception, exception in file is on a generic form and has no client information. - Due Diligence Vendor-02/10/2026 |  | Waived-Document Uploaded. Client Waiver applied to Non-Material Finding with Comp Factors. Cash Out Amount exceeds $500,000 - Due Diligence Vendor-02/12/2026 | LTV is less than guideline maximum - LTV 59.69%. Allowed LTV 65%<br>Months Reserves exceed minimum required - 830 months reserves; 12 months reserves required. |  | Exception email from xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011820 | xxxxxx C A | Closed | xxxxxx | 2026-01-25 09:03 | 2026-01-26 15:08 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-After further review, the form is not required if the spouse is on the loan. - Due Diligence Vendor-01/26/2026 <br> Open-The required spousal consent to pledge form is missing. The required spousal consent to pledge form is in file but not signed. - Due Diligence Vendor-01/26/2026 |  | Resolved-After further review, the form is not required if the spouse is on the loan. - Due Diligence Vendor-01/26/2026 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrowers have 122.1 months of reserves.<br>LTV is less than guideline maximum - Maximum LTV per guidelines is 75%. Subject LTV is 65%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011821 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011824 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011829 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011830 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011834 | xxxxxx D A | Closed | xxxxxx | 2026-01-27 12:54 | 2026-01-30 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-01/28/2026 <br> Open-Missing Flood Certificate - Due Diligence Vendor-01/27/2026 |  | Resolved-Received flood cert. - Due Diligence Vendor-01/30/2026 | Months Reserves exceed minimum required - Reserves 119 months<br>LTV is less than guideline maximum - LTV 65% |  | YIYXP7V2M2W0DXJAFOJ5JC0T-form_1_Flood Certification Final-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011839 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011858 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 19:57 | 2026-02-03 13:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. COC - Seller-01/30/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($5,025.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $5,025 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $5,025, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. COC - Seller-01/30/2026<br>| Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-02/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 802.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 16.44 months. |  | COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011858 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 19:29 | 2026-01-30 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower is an ITIN and documents were provided. - Due Diligence Vendor-01/30/2026 <br> Open-Borrower Citizenship Documentation Is Missing Borrower Final 1003 reflects non permanent resident alien, with no documentation to support. - Due Diligence Vendor-01/30/2026 |  | Resolved-Borrower is an ITIN and documents were provided. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 802.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 16.44 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011858 | xxxxxx D B A C | Closed | xxxxxx | 2026-01-28 19:37 | 2026-01-28 19:59 | 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-01/29/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 802.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 16.44 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011866 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-12 16:02 | 2026-03-18 12:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. e consent attached. xxxxxx. - Seller-03/17/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. e consent attached. xxxxxx. - Seller-03/17/2026<br>| Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - Guideline maximum DTI 50% to qualifying DTI 43.64<br>Months Reserves exceed minimum required - Reserve 63.99 months of PITI<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO 680 to Qualifying FICO 777 |  | xxxxxx e consent 03162026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011866 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-13 17:38 | 2026-03-18 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-03/17/2026 <br> Open-Borrower 1 Gap Credit Report is Missing GAP report within 10 days of closing is missing - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. gap credit attached. xxxxxx. - Seller-03/17/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - Guideline maximum DTI 50% to qualifying DTI 43.64<br>Months Reserves exceed minimum required - Reserve 63.99 months of PITI<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO 680 to Qualifying FICO 777 |  | xxxxxx gap credit 03162026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011866 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-12 16:13 | 2026-03-13 17:39 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - Due Diligence Vendor-03/13/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.26% is within allowable threshold of APOR of 6.14% + 1.75% or 7.89%. - Due Diligence Vendor-03/12/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - Due Diligence Vendor-03/13/2026 | Qualifying DTI below maximum allowed - Guideline maximum DTI 50% to qualifying DTI 43.64<br>Months Reserves exceed minimum required - Reserve 63.99 months of PITI<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO 680 to Qualifying FICO 777 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011866 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-12 16:02 | 2026-03-12 16:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waver applied to non material findings - Due Diligence Vendor-03/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waver applied to non material findings - Due Diligence Vendor-03/12/2026 | Qualifying DTI below maximum allowed - Guideline maximum DTI 50% to qualifying DTI 43.64<br>Months Reserves exceed minimum required - Reserve 63.99 months of PITI<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO 680 to Qualifying FICO 777 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011867 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 11:31 | 2026-03-18 11:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. e consent from lender - Due Diligence Vendor-03/13/2026 <br> Open-Missing e-Consent. - Due Diligence Vendor-03/12/2026 |  | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/18/2026 | CLTV is less than guidelines maximum - Qualifying CLTV is 50.76% which is lower than max CLTV 70%.<br>Additional assets not used to qualify - Additional assets not being used. |  | e consent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011867 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 14:53 | 2026-03-16 10:32 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received revised appraisal. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. appraisal updated to tenant occupied with revised ssrs. xxxxxx. - Seller-03/12/2026 <br> Open-Appraisal reflects Owner Occupied but subject is a refinance of an investment - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. appraisal updated to tenant occupied with revised ssrs. xxxxxx. - Seller-03/12/2026<br>| Resolved-Received revised appraisal. - Due Diligence Vendor-03/16/2026 | CLTV is less than guidelines maximum - Qualifying CLTV is 50.76% which is lower than max CLTV 70%.<br>Additional assets not used to qualify - Additional assets not being used. |  | xxxxxx updated appraisal with occupancy corrected xxxxxx.pdf<br> xxxxxx updated xxxxxx ssr xxxxxx.pdf<br> xxxxxx updated xxxxxx ssr xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011867 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 13:34 | 2026-03-12 11:52 | 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-03/12/2026 <br> Ready for Review-Document Uploaded. Please see the UDM attached. Also, please note guidelines are 30 days, not 10 days. \*\*\*Guideline: A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-03/10/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/09/2026 |  | Resolved-Received UDM - Due Diligence Vendor-03/12/2026 | CLTV is less than guidelines maximum - Qualifying CLTV is 50.76% which is lower than max CLTV 70%.<br>Additional assets not used to qualify - Additional assets not being used. |  | UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011872 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 08:03 | 2026-04-21 10:48 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. please find xxxxxx label, CD with tolerance cure, loe to borrower & copy of refund check to cure this file. xxxxxx. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. please find xxxxxx label, CD with tolerance cure, loe to borrower & copy of refund check to cure this file. xxxxxx. - Seller-04/20/2026 <br> Counter-From TPR: There is a $50 Witness Fee increase, please provide COC with explanation for increase. $0.31 for the Credit Report Fee is due to rounding. Finding remains. - Due Diligence Vendor-04/15/2026 <br> Counter-There is a $50 Witness Fee increase, please provide COC with explanation for increase. $0.31 for the Credit Report Fee is due to rounding. Finding remains. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. please test your figures again. The initial LE has a credit report fee disclosed for $83. xxxxxx. - Seller-04/13/2026 <br> Ready for Review-Seller Response: Document Uploaded. please test your figures again. The initial LE has a credit report fee disclosed for $83. xxxxxx. - Due Diligence Vendor-04/13/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $50.31.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $50.31 (Witness and Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $50.31, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. please find xxxxxx label, CD with tolerance cure, loe to borrower & copy of refund check to cure this file. xxxxxx. - Seller-04/20/2026 <br> Ready for Review-Document Uploaded. please test your figures again. The initial LE has a credit report fee disclosed for $83. xxxxxx. - Seller-04/13/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 733<br>CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 56.36% |  | xxxxxx initial LE shows credit report fee xxxxxx.pdf<br> xxxxxx xxxxxx label xxxxxx.pdf<br> xxxxxx refund loe xxxxxx.pdf<br> xxxxxx cd with tolerance cure xxxxxx.pdf<br> xxxxxx copy of refund check xxxxxx.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011872 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 07:32 | 2026-04-15 11:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Upon further review, for the state of xxxxxx, if the attorney fees are not being excluded form high cost testing, the attorney preference letter is not required, finding resolved. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-we still disagree with this issue. We had a similar issue on another loan on your old website that ultimately cleared after we disputed similar to below. I cannot access that to see how it was resolved on your end but we disputed & xxxxxx ultimately agreed on xxxxxx. Please escalate again & xxxxxx.<br> - Seller-04/14/2026 <br> Counter-If fees are added to a "high-cost" loan, these are subject to strict compliance, including disclosures and potential credit counseling, but this does not override the requirement for a borrower to select their attorney. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx. - Seller-04/09/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File -----Right To Choose Attorney or Attorney Preference Not In File. - Due Diligence Vendor-03/10/2026 | Ready for Review-we still disagree with this issue. We had a similar issue on another loan on your old website that ultimately cleared after we disputed similar to below. I cannot access that to see how it was resolved on your end but we disputed & xxxxxx ultimately agreed on xxxxxx. Please escalate again & xxxxxx.<br> - Seller-04/14/2026 <br> Ready for Review-Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx. - Seller-04/09/2026 | Resolved-Upon further review, for the state of xxxxxx, if the attorney fees are not being excluded form high cost testing, the attorney preference letter is not required, finding resolved. - Due Diligence Vendor-04/15/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 733<br>CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 56.36% |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011872 | xxxxxx D B A | Closed | xxxxxx | 2026-03-10 09:57 | 2026-03-27 12:23 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd Package Details - xxxxxx with borrower's e-Consent acknowledgment. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. proof of e consent attached. - Seller-03/27/2026 <br> Open-Missing e-Consent. -----Missing e-consent from borrower. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. proof of e consent attached. - Seller-03/27/2026<br>| Resolved-Rec'd Package Details - xxxxxx with borrower's e-Consent acknowledgment. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 733<br>CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 56.36% |  | xxxxxx econsent 03262026.pdf | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011886 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 09:30 | 2026-02-18 14:40 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Updated COGS provided. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Updated COGS. - Due Diligence Vendor-02/18/2026 <br> Counter-Received COGS dated xxxxxx. Missing Good Standing dated within 120 days of Note date. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. In file and attached again. - Seller-02/17/2026 <br> Counter-Received Art of Org. Missing evidence of Good Standing for Vested Entity. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. The Business Entity Formation Document is Missing. Missing the Certificate of Good Standing pulled within 120 days of the Note date. Guideline requirement. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. In file and attached again. - Seller-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Updated COGS provided. - Due Diligence Vendor-02/18/2026 | Months Reserves exceed minimum required - Reserves = 7.69 months – Required Reserves = 6 Months<br>Long term residence - 2+ years at current residence |  | images (1).pdf<br>COGS.pdf<br>FilingInfo.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011886 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 10:08 | 2026-02-17 13:40 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received renewal master coverage. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/17/2026 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Provide an unexpired Master Condo Policy. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-Received renewal master coverage. - Due Diligence Vendor-02/17/2026 | Months Reserves exceed minimum required - Reserves = 7.69 months – Required Reserves = 6 Months<br>Long term residence - 2+ years at current residence |  | COI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011886 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 10:22 | 2026-02-13 13:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history for the borrower's primary residence in a foreign country is not required to be documented. - Due Diligence Vendor-02/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing current month utility bill confirming address of borrower's foreign primary<br> residence. - Due Diligence Vendor-02/10/2026 |  | Resolved-Housing history for the borrower's primary residence in a foreign country is not required to be documented. - Due Diligence Vendor-02/13/2026 | Months Reserves exceed minimum required - Reserves = 7.69 months – Required Reserves = 6 Months<br>Long term residence - 2+ years at current residence |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011886 | xxxxxx D A | Closed | xxxxxx | 2026-02-10 09:42 | 2026-02-13 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property tax amount on the property profile report. - Due Diligence Vendor-02/13/2026 <br> Open-Missing Evidence of Property Tax. Tax Bill in file is for 2026 is marked as "Estimated Tax Charge". Tax amount is higher than tax amount used for qualification. Monthly tax impounds are listed as slightly lower on the Final CD and FPL. Please provide tax certification to confirm correct property tax amount. - Due Diligence Vendor-02/10/2026 |  | Resolved-Property tax amount on the property profile report. - Due Diligence Vendor-02/13/2026 | Months Reserves exceed minimum required - Reserves = 7.69 months – Required Reserves = 6 Months<br>Long term residence - 2+ years at current residence |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011893 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 10:52 | 2026-03-30 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected 1003 reflecting xxxxxx. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. borrower is a xxxxxx & 1003 updated. - Seller-03/27/2026 <br> Open-Borrower Citizenship Documentation Is Missing 1003 is missing citizenship status, unable to determine citizenship. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. borrower is a xxxxxx & 1003 updated. - Seller-03/27/2026<br>| Resolved-Received corrected 1003 reflecting xxxxxx. - Due Diligence Vendor-03/30/2026 | Long term residence - Long Term Residence = 6+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 63 Months Required = 12 months |  | xxxxxx 1003 with citizenship updated 03262026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011893 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 14:59 | 2026-03-26 15:28 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the COC is provided in the file for increase in loan points. The violation of $0.31 is due to rounding. Finding resolved. - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $168.81.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). <br> ----- Zero (0%) tolerance fees increased by $168.81 Points - Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $168.81, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/18/2026 |  | Resolved-Upon further review, the COC is provided in the file for increase in loan points. The violation of $0.31 is due to rounding. Finding resolved. - Due Diligence Vendor-04/07/2026 | Long term residence - Long Term Residence = 6+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 63 Months Required = 12 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011893 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 14:59 | 2026-03-26 15:26 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-eSign provided. Finding resolved. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. proof of timely initial cd disclosure and acknowledgement - Seller-03/25/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. proof of timely initial cd disclosure and acknowledgement - Seller-03/25/2026<br>| Resolved-eSign provided. Finding resolved. - Due Diligence Vendor-03/26/2026 | Long term residence - Long Term Residence = 6+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 63 Months Required = 12 months |  | xxxxxx proof of timely initial cd delivery and acknowledgement xxxxxx.pdf<br> xxxxxx proof of disclosure log contents for initial cd xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011893 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 14:59 | 2026-03-26 15:26 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-eSign received. Finding resolved. - Due Diligence Vendor-03/26/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"xxxxxxFirst Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----There is no receipt from borrower for LE's dated xxxxxx and xxxxxx, need proof borrower received prior to consummation of loan. - Due Diligence Vendor-03/18/2026 |  | Resolved-eSign received. Finding resolved. - Due Diligence Vendor-03/26/2026 | Long term residence - Long Term Residence = 6+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 63 Months Required = 12 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011893 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 14:37 | 2026-03-26 15:24 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received e consent. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. xxxxxx e consent attached. - Seller-03/25/2026 <br> Open-Missing e-Consent. ----- Missing e-Consent, please provide a copy - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. xxxxxx e consent attached. - Seller-03/25/2026<br>| Resolved-Received e consent. - Due Diligence Vendor-03/26/2026 | Long term residence - Long Term Residence = 6+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 63 Months Required = 12 months |  | xxxxxx e consent proof 03252026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011897 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 16:49 | 2026-03-30 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. bank stmt worksheet atttached. xxxxxx. - Seller-03/27/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Lender Bank summary worksheet - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. bank stmt worksheet atttached. xxxxxx. - Seller-03/27/2026<br>| Resolved-Received business bank statement analysis. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - 660 min FICO - have 716 FICO<br>Months Reserves exceed minimum required - 3 months required - have 7.47 months |  | xxxxxx bank stmt worksheet 03262026.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011897 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 15:02 | 2026-03-30 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. - Seller-03/27/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Provide Borrower Certification of Business Purpose form - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. - Seller-03/27/2026<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - 660 min FICO - have 716 FICO<br>Months Reserves exceed minimum required - 3 months required - have 7.47 months |  | xxxxxx busines purpose aff 03272026.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011899 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 11:26 | 2026-02-18 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-After further review, the taxes are listed on title. - Due Diligence Vendor-02/18/2026 <br>Open-Missing Evidence of Property Tax Tax Cert is missing from file. DCSR calculation subject to change. Additional findings may apply upon receipt. - Due Diligence Vendor-02/18/2026 |  | Resolved-After further review, the taxes are listed on title. - Due Diligence Vendor-02/18/2026 | Long term residence - Long Term Residence = 2+ years<br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 6 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011899 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 13:39 | 2026-02-18 16:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the xxxxxx statement and conversion were in the loan file. - Due Diligence Vendor-02/18/2026 <br> Open-Audited Reserves of 3.77 month(s) are less than Guideline Required Reserves of 6 month(s) Per 1003 missing bank statement for Nationwide and conversion if applicable. - Due Diligence Vendor-02/18/2026 |  | Resolved-After further review, the xxxxxx statement and conversion were in the loan file. - Due Diligence Vendor-02/18/2026 | Long term residence - Long Term Residence = 2+ years<br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 6 Months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011908 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 08:16 | 2026-03-19 13:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Please see attached Cert of Completion. - Seller-03/18/2026 <br>Ready for Review-E-consent uploaded - Due Diligence Vendor-03/18/2026 <br>Open-Missing e-Consent. Please provide e-consent documentation. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached Cert of Completion. - Seller-03/18/2026<br>| Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 724.<br>CLTV is less than guidelines maximum - Qualifying LTV 74.67 and max LTV 80% |  | xxxxxx E-Consent Cert of Completion.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011915 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 11:01 | 2026-03-27 11:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. e consent attached. - Seller-03/25/2026 <br>Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. e consent attached. - Seller-03/25/2026<br>| Resolved-Received eConsent, finding resolved. - Due Diligence Vendor-03/27/2026 | Qualifying DTI below maximum allowed - 38.58% Qualifying DTI below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 799 credit score exceeds 700 required per guides |  | xxxxxx e consent 03252026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011915 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 11:59 | 2026-03-27 11:03 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Upon further review, Compliant xxxxxx Subprime- APR on subject loan of 8.122% is within allowable threshold of APOR of 6.13% + 3.75% or 9.88%. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. xxxxxx compliance test shows passing. - Seller-03/25/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.122% is within allowable threshold of APOR of 6.13% + 3.75% or 9.88%. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. xxxxxx compliance test shows passing. - Seller-03/25/2026 | Resolved-Upon further review, Compliant xxxxxx Subprime- APR on subject loan of 8.122% is within allowable threshold of APOR of 6.13% + 3.75% or 9.88%. - Due Diligence Vendor-03/27/2026 | Qualifying DTI below maximum allowed - 38.58% Qualifying DTI below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 799 credit score exceeds 700 required per guides |  | xxxxxx compliance test includes xxxxxx test 03252026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011915 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 11:01 | 2026-03-18 12:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/18/2026 | Qualifying DTI below maximum allowed - 38.58% Qualifying DTI below 50% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 799 credit score exceeds 700 required per guides |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011926 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 09:41 | 2026-04-09 15:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Required Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-04/08/2026 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-04/08/2026<br>| Resolved-Received Required Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-04/09/2026 | CLTV is less than guidelines maximum - CLTV if 46.90% Max LTV is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, FICO is 801 |  | xxxxxx no affiliates letter 04082026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011926 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 10:17 | 2026-04-02 13:01 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved------ Compliant xxxxxx Subprime- APR on subject loan of 7.678% is within allowable threshold of APOR of 6.1% + 3.75% or 9.85%. - Due Diligence Vendor-04/02/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 7.678% is within allowable threshold of APOR of 6.1% + 3.75% or 9.85%. - Due Diligence Vendor-04/01/2026 |  | Resolved------ Compliant xxxxxx Subprime- APR on subject loan of 7.678% is within allowable threshold of APOR of 6.1% + 3.75% or 9.85%. - Due Diligence Vendor-04/02/2026 | CLTV is less than guidelines maximum - CLTV if 46.90% Max LTV is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, FICO is 801 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011932 | xxxxxx D A C | Closed | xxxxxx | 2026-03-11 13:05 | 2026-03-23 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report with high alerts cleared. The fraud report xxxxxx section confirms the property is owned under an LLC. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-xxxxxx PROP. IS OWNED BY xxxxxx LLC , not our borrower - Due Diligence Vendor-03/20/2026 <br> Counter-Received duplicate report and rebuttal property owned by LLC. As property is reflecting on xxxxxx please confirm no obligation. Finding remains. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. xxxxxx PROP. IS OWNED BY xxxxxx LLC , not our borrower - Seller-03/19/2026 <br> Counter-Received duplicate fraud report. Missing clearance of high alerts. Missing verification xxxxxx reflecting on xxxxxx does not belong to borrower. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Counter-Received Fraud Report. Missing clearance of high alerts. Missing verification xxxxxx reflecting on xxxxxx does not belong to borrower. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open-Missing Third Party Fraud Report And All Interested Parties Checked with Exclusionary Lists and OFAC - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. xxxxxx PROP. IS OWNED BY xxxxxx LLC , not our borrower - Seller-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 | Resolved-Fraud report with high alerts cleared. The fraud report xxxxxx section confirms the property is owned under an LLC. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid fico score of 734 with required 700<br>Months Reserves exceed minimum required - 41 months reserves exceeds required 3 months |  | xxxxxx.pdf<br> xxxxxx 2.pdf<br> xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011932 | xxxxxx D A C | Closed | xxxxxx | 2026-03-06 09:06 | 2026-03-18 12:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, Flood Insurance is not a tolerance testing fee. Finding resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Per TRID guidelines, adding flood insurance at the time of the Initial Closing Disclosure is permissible when the requirement is identified later in the process. Flood insurance is considered a pre-paid/escrowed item and is not subject to the same tolerance restrictions as lender fees. As long as the charge is accurately disclosed on the Closing Disclosure and reflected in the borrower's cash to close, it is compliant with TRID requirements.<br> Therefore, the addition of flood insurance on the Initial CD in this case is allowable and does not constitute a TRID violation. - Seller-03/17/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $481.74.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 $481.74 (Flood Insurance 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 $481.74, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 | Ready for Review-Per TRID guidelines, adding flood insurance at the time of the Initial Closing Disclosure is permissible when the requirement is identified later in the process. Flood insurance is considered a pre-paid/escrowed item and is not subject to the same tolerance restrictions as lender fees. As long as the charge is accurately disclosed on the Closing Disclosure and reflected in the borrower's cash to close, it is compliant with TRID requirements.<br> Therefore, the addition of flood insurance on the Initial CD in this case is allowable and does not constitute a TRID violation. - Seller-03/17/2026<br>| Resolved-Upon further review, Flood Insurance is not a tolerance testing fee. Finding resolved. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid fico score of 734 with required 700<br>Months Reserves exceed minimum required - 41 months reserves exceeds required 3 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011932 | xxxxxx D A C | Closed | xxxxxx | 2026-03-06 13:50 | 2026-03-18 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Counter-Received duplicate credit report. Please provide Credit Gap. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing MISSING GAP CREDIT REPORT - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid fico score of 734 with required 700<br>Months Reserves exceed minimum required - 41 months reserves exceeds required 3 months |  | xxxxxx - Credit Report.pdf<br> UDN.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011932 | xxxxxx D A C | Closed | xxxxxx | 2026-03-06 13:05 | 2026-03-18 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received final flood cert. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Counter-Received flood cert dated xxxxxx reflecting new LOMC date available with date of xxxxxx but no case number (sec B box 3) Flood cert is incomplete. Please provide final, compete certificate. Additional conditions may apply. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open-Missing Flood Certificate Missing actual Flood cert. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Received final flood cert. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid fico score of 734 with required 700<br>Months Reserves exceed minimum required - 41 months reserves exceeds required 3 months |  | Flood ReportX.pdf<br>FLOOD CERT.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011946 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011953 | xxxxxx D A C | Closed | xxxxxx | 2026-03-26 21:02 | 2026-04-10 16:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA validation and confirmation borrowers not obligated on Note. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI not final. Missing documentation for REO xxxxxx PITIA.<br> - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-Received PITIA validation and confirmation borrowers not obligated on Note. - Due Diligence Vendor-04/09/2026 | CLTV is less than guidelines maximum - Guideline maximum CLTV is 80%. Subject CLTV is 65.48%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 737. |  | PITIA Docs - xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011953 | xxxxxx D A C | Closed | xxxxxx | 2026-03-27 08:09 | 2026-04-10 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received PITIA validation and confirmation borrowers not obligated on Note. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide mortgage history for REO xxxxxx. Additional conditions may apply. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-Received PITIA validation and confirmation borrowers not obligated on Note. - Due Diligence Vendor-04/09/2026 | CLTV is less than guidelines maximum - Guideline maximum CLTV is 80%. Subject CLTV is 65.48%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 737. |  | PITIA Docs - xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011953 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 12:51 | 2026-04-09 15:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx moving fee into section A. Finding Resolved. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-Received PCCD xxxxxx moving fee into section A. Finding Resolved. - Due Diligence Vendor-04/09/2026 | CLTV is less than guidelines maximum - Guideline maximum CLTV is 80%. Subject CLTV is 65.48%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 737. |  | PCCD LOX xxxxxx.pdf<br> PCCD xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011953 | xxxxxx D A C | Closed | xxxxxx | 2026-03-25 12:51 | 2026-04-09 15:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-xxxxxx - Please waive this condition, the LC for xxxxxx is showing on the closing CD. - Seller-04/08/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxxxxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by xxxxxx Transfer Tax without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/25/2026 | Ready for Review-xxxxxx - Please waive this condition, the LC for xxxxxx is showing on the closing CD. - Seller-04/08/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/09/2026 | CLTV is less than guidelines maximum - Guideline maximum CLTV is 80%. Subject CLTV is 65.48%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 737. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011953 | xxxxxx D A C | Closed | xxxxxx | 2026-03-27 08:06 | 2026-04-09 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received xxxxxx pitia validation along with note confirming borrow not obligated. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-Provide documentation for REO xxxxxx PITIA. Additional conditions may apply. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-Received xxxxxx pitia validation along with note confirming borrow not obligated. - Due Diligence Vendor-04/09/2026 | CLTV is less than guidelines maximum - Guideline maximum CLTV is 80%. Subject CLTV is 65.48%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 737. |  | PITIA Docs - xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011953 | xxxxxx D A C | Closed | xxxxxx | 2026-03-26 08:13 | 2026-04-07 11:52 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent, finding resolved - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. - Seller-04/06/2026 <br>Open-Missing e-Consent. -----Missing e consent. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026<br>| Resolved-Received eConsent, finding resolved - Due Diligence Vendor-04/07/2026 | CLTV is less than guidelines maximum - Guideline maximum CLTV is 80%. Subject CLTV is 65.48%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 737. |  | xxxxxx - Document_Package_Audit_Report_-_DocumentPackageAuditReport-2026-01-28T124113.833Z.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011954 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 12:26 | 2026-04-01 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received revised 1008 confirming source of income considered in qualifying. - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Document Uploaded. - Seller-03/31/2026 <br>Counter-Received confirmation income was considered from 1003. Please add to Income calc worksheet or 1008. - Due Diligence Vendor-03/31/2026 <br>Ready for Review-The calculation sent to the investor came up with $89441.87, however, stated income was $67883.12, we did not update to the higher amount because per guidelines we must go with lower of the two - Seller-03/30/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing lender final income calculation worksheet supporting the resulting income used to qualify borrower, which does not concur with the worksheet provided, creating a significant variance. Other findings may apply. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 <br>Ready for Review-The calculation sent to the investor came up with $89441.87, however, stated income was $67883.12, we did not update to the higher amount because per guidelines we must go with lower of the two - Seller-03/30/2026<br>| Resolved-Received revised 1008 confirming source of income considered in qualifying. - Due Diligence Vendor-04/01/2026 | Months Reserves exceed minimum required - Reserves: 86 Min 9<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $53,400.35<br>Qualifying DTI below maximum allowed - DTI: 21.33% Max: 50%<br>LTV is less than guideline maximum - LTV: 63.04% Max 70% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 704 Min 680 |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011954 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 13:24 | 2026-03-31 10:37 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-Received tax preparer confirmation - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/30/2026 <br>Counter-Received business narrative completed by PTIN. Please provide license validation for tax preparer. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Business Narrative provided, - Seller-03/25/2026 <br>Open-ATR: Current Employment Not Verified Missing corporate documents for self-employed entity, including but not limited to Articles of Incorporation, Formation, Operating Agreement which confirms percentage of ownership and current status, i.e. active/current from Department of State. Other findings may apply. - Due Diligence Vendor-03/23/2026 | Ready for Review-Business Narrative provided, - Seller-03/25/2026<br>| Resolved-Received tax preparer confirmation - Due Diligence Vendor-03/31/2026 | Months Reserves exceed minimum required - Reserves: 86 Min 9<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $53,400.35<br>Qualifying DTI below maximum allowed - DTI: 21.33% Max: 50%<br>LTV is less than guideline maximum - LTV: 63.04% Max 70% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 704 Min 680 |  | PTIN Verification.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011954 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 13:24 | 2026-03-31 10:37 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-After further review, a PTIN income narrative is acceptable. PTIN is not allowed on the P & L program. - Due Diligence Vendor-03/30/2026 <br>Open-ATR: The Lender did not document all ATR Factors Due to missing income documents. - Due Diligence Vendor-03/23/2026 |  | Resolved-After further review, a PTIN income narrative is acceptable. PTIN is not allowed on the P & L program. - Due Diligence Vendor-03/30/2026 | Months Reserves exceed minimum required - Reserves: 86 Min 9<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $53,400.35<br>Qualifying DTI below maximum allowed - DTI: 21.33% Max: 50%<br>LTV is less than guideline maximum - LTV: 63.04% Max 70% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 704 Min 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011954 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 13:24 | 2026-03-31 10:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received tax preparer validation of employment and clarification on income considered. - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/30/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Due to missing income documents. - Due Diligence Vendor-03/23/2026 |  | Resolved-Received tax preparer validation of employment and clarification on income considered. - Due Diligence Vendor-03/31/2026 | Months Reserves exceed minimum required - Reserves: 86 Min 9<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $53,400.35<br>Qualifying DTI below maximum allowed - DTI: 21.33% Max: 50%<br>LTV is less than guideline maximum - LTV: 63.04% Max 70% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 704 Min 680 |  | PTIN Verification.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011954 | xxxxxx D A | Closed | xxxxxx | 2026-03-23 12:26 | 2026-03-30 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, a PTIN income narrative is acceptable. PTIN is not allowed on the P & L program. - Due Diligence Vendor-03/30/2026 <br> Counter-Received business narrative completed by PTIN. Please provide validation of license tax preparer. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Open-Borrower 1 CPA Letter Missing Missing accountant letter from qualified individual, i.e. Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a xxxxxx registered tax preparer, or a Tax Attorney; confirming the 35% expense factor used in qualifying income and percentage of ownership. PTIN is not permitted. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-After further review, a PTIN income narrative is acceptable. PTIN is not allowed on the P & L program. - Due Diligence Vendor-03/30/2026 | Months Reserves exceed minimum required - Reserves: 86 Min 9<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $53,400.35<br>Qualifying DTI below maximum allowed - DTI: 21.33% Max: 50%<br>LTV is less than guideline maximum - LTV: 63.04% Max 70% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 704 Min 680 |  | Business Narrative _ Fully Executed _ Final.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011954 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 16:15 | 2026-03-27 11:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 was provided. Finding resolved. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. - Seller-03/25/2026 <br>Open-The Initial 1003 is Missing -----Initial 1003 is missing. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-Initial 1003 was provided. Finding resolved. - Due Diligence Vendor-03/27/2026 | Months Reserves exceed minimum required - Reserves: 86 Min 9<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $53,400.35<br>Qualifying DTI below maximum allowed - DTI: 21.33% Max: 50%<br>LTV is less than guideline maximum - LTV: 63.04% Max 70% <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 704 Min 680 |  | QC - 1003 - URLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011955 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-23 09:22 | 2026-03-26 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received explanation of estimated HOI considered by originator. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. as the first mortgage escrows, we backed into the hoi premium per the attached letter from the underwriter. This would be more conservative including a higher premium in debt ratio calculation & should not be an issue. xxxxxx. - Seller-03/25/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Lender monthly hazard insurance payment amount is higher than what appears on the actual policy. Lender to reconcile the difference and provide additional policy if applicable. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. as the first mortgage escrows, we backed into the hoi premium per the attached letter from the underwriter. This would be more conservative including a higher premium in debt ratio calculation & should not be an issue. xxxxxx. - Seller-03/25/2026<br>| Resolved-Received explanation of estimated HOI considered by originator. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - 798 > 680 required<br>CLTV is less than guidelines maximum - 61.66% < 85% allowed |  | xxxxxx explanation for hoi calculation 03252026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011955 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-19 15:08 | 2026-03-25 14:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received Package Details - xxxxxx with borrower's consent. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. e consent attached. - Seller-03/25/2026 <br>Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. e consent attached. - Seller-03/25/2026<br>| Resolved-Received Package Details - xxxxxx with borrower's consent. - Due Diligence Vendor-03/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - 798 > 680 required<br>CLTV is less than guidelines maximum - 61.66% < 85% allowed |  | xxxxxx proof of esign consent 03252026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011955 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-23 09:31 | 2026-03-24 11:58 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-03/24/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 11 days old - Due Diligence Vendor-03/23/2026 |  | Resolved-Received UDM. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - 798 > 680 required<br>CLTV is less than guidelines maximum - 61.66% < 85% allowed |  | xxxxxx UDM.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011955 | xxxxxx D B A C | Closed | xxxxxx | 2026-03-19 15:08 | 2026-03-19 18:43 | 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-03/19/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - 798 > 680 required<br>CLTV is less than guidelines maximum - 61.66% < 85% allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011969 | xxxxxx B A | Closed | xxxxxx | 2026-04-15 09:50 | 2026-04-17 09:12 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx subprime- APR is within allowable threshold of APOR - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Please advise if there is any remedy to satisfy. We have seen this Condition before and is usually Resolved. xxxxxx! - Buyer-04/16/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.489% is within allowable threshold of APOR of 5.99% + 3.75% or 9.74%. - Due Diligence Vendor-04/15/2026 |  | Resolved-Compliant xxxxxx subprime- APR is within allowable threshold of APOR - Due Diligence Vendor-04/17/2026 | CLTV is less than guidelines maximum - LTV/CLTV MAXIMUM ALLOWED IS 90% LOWER THAN SUJECT LTV/CLTV OF 19.81%.<br>Qualifying DTI below maximum allowed - DTI OF 40.14% IS LOWER THAN THE MAXIMUM ALLOWED 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011969 | xxxxxx B A | Closed | xxxxxx | 2026-04-15 09:38 | 2026-04-16 10:05 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-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. Despite passing HPML tests, disclosed APR of 9.674% on Final CD is above threshold of 7.49%. This was disclosed inaccurately to borrower, making this an HPML loan. HPML guides were met, file contains full appraisal. - Due Diligence Vendor-04/15/2026 |  | Waived-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. Despite passing HPML tests, disclosed APR of 9.674% on Final CD is above threshold of 7.49%. This was disclosed inaccurately to borrower, making this an HPML loan. HPML guides were met, file contains full appraisal. - Due Diligence Vendor-04/15/2026 | CLTV is less than guidelines maximum - LTV/CLTV MAXIMUM ALLOWED IS 90% LOWER THAN SUJECT LTV/CLTV OF 19.81%.<br>Qualifying DTI below maximum allowed - DTI OF 40.14% IS LOWER THAN THE MAXIMUM ALLOWED 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011969 | xxxxxx B A | Closed | xxxxxx | 2026-04-15 08:47 | 2026-04-15 08:47 | 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.<br> - Due Diligence Vendor-04/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/15/2026 | CLTV is less than guidelines maximum - LTV/CLTV MAXIMUM ALLOWED IS 90% LOWER THAN SUJECT LTV/CLTV OF 19.81%.<br>Qualifying DTI below maximum allowed - DTI OF 40.14% IS LOWER THAN THE MAXIMUM ALLOWED 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011970 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000011984 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011994 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 11:18 | 2026-03-12 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-03/10/2026 <br>Open-Missing Flood Certificate Provide Flood Certificate. - Due Diligence Vendor-03/09/2026 |  | Resolved-Received flood cert. - Due Diligence Vendor-03/12/2026 | Long term residence - Long Term Residence = 4+ years<br>Months Reserves exceed minimum required - 19 months reserves; 6 months reserves required. |  | IUFMAO8PSSWOCY3CAI6241RN_4649510.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011995 | xxxxxx D B A | Closed | xxxxxx | 2026-03-09 12:08 | 2026-03-11 12:43 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Document Uploaded. Client waiver applied to non-material finding. Exception on confirmation of country of origin. - Due Diligence Vendor-03/11/2026 <br>Counter-Please provide passport or other confirmation of borrower country of origin. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Not required this is ITIN program. - Seller-03/10/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing borrower's country of origin for ITIN borrower. - Due Diligence Vendor-03/09/2026 | Ready for Review-Not required this is ITIN program. - Seller-03/10/2026<br>| Waived-Document Uploaded. Client waiver applied to non-material finding. Exception on confirmation of country of origin. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - 769 > 680 required<br>Verified employment history exceeds guidelines - The Borrower has been Self Employed for 3.11 years; exceeds 24 months.<br>Months Reserves exceed minimum required - The Borrower has 13.57 months in reserves; guideline minimum is 6 months. |  | exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011995 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 11:53 | 2026-03-09 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, the loan file contains an operating agreement confirming 100% ownership. - Due Diligence Vendor-03/09/2026 <br>Open-Borrower 1 CPA Letter Missing Missing tax preparer letter or equivalent (operating agreement) to prove 100% ownership of borrower business. The online printout provided does not indicate this information. - Due Diligence Vendor-03/06/2026 |  | Resolved-After further review, the loan file contains an operating agreement confirming 100% ownership. - Due Diligence Vendor-03/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - 769 > 680 required<br>Verified employment history exceeds guidelines - The Borrower has been Self Employed for 3.11 years; exceeds 24 months.<br>Months Reserves exceed minimum required - The Borrower has 13.57 months in reserves; guideline minimum is 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011995 | xxxxxx D B A | Closed | xxxxxx | 2026-03-05 19:12 | 2026-03-05 19:12 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). INVESTOR WAIVER APPLIED TO NON-MATERIAL FINDING - Due Diligence Vendor-03/06/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). INVESTOR WAIVER APPLIED TO NON-MATERIAL FINDING - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - 769 > 680 required<br>Verified employment history exceeds guidelines - The Borrower has been Self Employed for 3.11 years; exceeds 24 months.<br>Months Reserves exceed minimum required - The Borrower has 13.57 months in reserves; guideline minimum is 6 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012000 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 13:51 | 2026-03-12 14:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Fee was corrected. Finding resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-$225 is not transfer taxes, this is xxxxxx Housing and was included in the recording fee - Seller-03/11/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $225.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by xxxxxx (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Lender credit of $22.10 is not enough to cure finding.<br> - Due Diligence Vendor-03/06/2026 | Ready for Review-$225 is not transfer taxes, this is xxxxxx Housing and was included in the recording fee - Seller-03/11/2026 | Resolved-Fee was corrected. Finding resolved. - Due Diligence Vendor-03/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO > 20 Points from the minimum<br>Long term residence - Borrower has been at current residence for 20 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012000 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 18:09 | 2026-03-11 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, the premium was contained in the loan file. - Due Diligence Vendor-03/11/2026 <br> Counter-Taxes and HOA were provided in file; HOI in file does not reflect the total premium and only states building code coverage of xxxxxx. - Due Diligence Vendor-03/10/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property; Property xxxxxx. - Due Diligence Vendor-03/06/2026 |  | Resolved-Upon further review, the premium was contained in the loan file. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO > 20 Points from the minimum<br>Long term residence - Borrower has been at current residence for 20 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012000 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-06 18:05 | 2026-03-10 17:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client exception granted to allow Allow a loan amount of xxxxxx with a max loan amount of $750,000. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see attached lender exception. - Due Diligence Vendor-03/10/2026 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $750000 Audited Loan Amount is greater than Guideline Maximum Loan Amount - Due Diligence Vendor-03/06/2026 |  | Waived-Client exception granted to allow Allow a loan amount of xxxxxx with a max loan amount of $750,000. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-03/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO > 20 Points from the minimum<br>Long term residence - Borrower has been at current residence for 20 years. | 12+ months reserves<br> DTI is less than 36%<br> FICO score over 30+ min<br> LTV < 10%<br> 0x30x36 months | xxxxxx Exception 2.25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012008 | xxxxxx C B A | Closed | xxxxxx | 2026-03-12 13:20 | 2026-04-29 12:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Loan does not meet guideline requirements for loans listed for sale. Per guides value is based on the lesser of the value or the list price. Client Exception in file with compensating factors to allow qualification using the appraised value. - Due Diligence Vendor-04/29/2026 <br>Open-Loan does not meet guideline requirements for loans listed for sale. Per guides value is based on the lesser of the value or the list price.<br> Lender Exception in file with compensating factors to allow qualification using the appraised value. - Due Diligence Vendor-03/12/2026 |  | Waived-Loan does not meet guideline requirements for loans listed for sale. Per guides value is based on the lesser of the value or the list price. Client Exception in file with compensating factors to allow qualification using the appraised value. - Due Diligence Vendor-04/29/2026 | Months Reserves exceed minimum required - Borrower has 23.27 month of reserves and only needs 6 months to qualify.<br>Long term residence - Long Term Residence = 5+ years | -Borrower has 23.27 month of reserves and only needs 6 months to qualify.<br> - Experienced investor >than 2 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000012008 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 13:44 | 2026-03-14 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Lease provided for $4,000, market rent $2,995. $2,995\*120%=$3,594. DSCR is over 1 and max LTV is 75%. - Due Diligence Vendor-03/12/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65% for Foreign Nationals. - Due Diligence Vendor-03/12/2026 |  | Resolved-Lease provided for $4,000, market rent $2,995. $2,995\*120%=$3,594. DSCR is over 1 and max LTV is 75%. - Due Diligence Vendor-03/12/2026 | Months Reserves exceed minimum required - Borrower has 23.27 month of reserves and only needs 6 months to qualify.<br>Long term residence - Long Term Residence = 5+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012008 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 13:36 | 2026-03-13 17:35 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Lease provided for $4,000, market rent $2,995. $2,995\*120%=$3,594. DSCR is over 1 and max LTV is 75%. - Due Diligence Vendor-03/12/2026 <br> Open-CALCULATED DSCR DOES NOT MEET THE MINIMUM DSCR ALLOWED. The Calculated DSCR of '0.928' is less than the minimum DSCR per lender guidelines of '1'. DSCR does not meet the minimal requirements for DSCR xxxxxx. Rental agreement shows $4,000 rent and 1007 shows $2995. Bank statements and rent ledger reflect verification of rent deposits of $3,680. (excluding the management fees). - Due Diligence Vendor-03/12/2026 |  | Resolved-Lease provided for $4,000, market rent $2,995. $2,995\*120%=$3,594. DSCR is over 1 and max LTV is 75%. - Due Diligence Vendor-03/12/2026 | Months Reserves exceed minimum required - Borrower has 23.27 month of reserves and only needs 6 months to qualify.<br>Long term residence - Long Term Residence = 5+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012013 | xxxxxx C A | Closed | xxxxxx | 2026-03-13 09:26 | 2026-03-13 13:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-A prepay rider to the Mortgage is not required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-PPP addendum to note is acceptable. Not required. - Due Diligence Vendor-03/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the prepayment rider to the molrtgage. - Due Diligence Vendor-03/13/2026 |  | Resolved-A prepay rider to the Mortgage is not required. - Due Diligence Vendor-03/13/2026 | LTV is less than guideline maximum - The calculated LTV is 50%, guideline maximum is 70%.<br>Months Reserves exceed minimum required - Verified reserves equal 67.84 months, guidelines require 6 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012014 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000012015 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 11:00 | 2026-03-13 17:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received 1003 - Due Diligence Vendor-03/13/2026 <br> Open-The Final 1003 is Incomplete Missing ULI. Please provide. - Due Diligence Vendor-03/11/2026 |  | Resolved-Received 1003 - Due Diligence Vendor-03/13/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 43 months<br>CLTV is less than guidelines maximum - CLTV 72.89% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 703 is higher than the required 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012015 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 12:09 | 2026-03-12 13:48 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Loan exception approval in file. Borrower has 6 NSFs within the last 12 months. - Due Diligence Vendor-03/12/2026 <br> Open-Income and Employment Do Not Meet Guidelines Loan exception pg 519<br> Borrower has 6 NSFs within the last 12 months. If there are zero xxxxxx occurrences in the most recent three-month time period, up to five (5) occurrences in the most recent 12-month time period are acceptable.<br> Reason for Approval/Denial Self-employed 10 years, subject property homeownership 5 years, 0x30x36 mortgage history, 0 NSFs in last 6 months, value is typical for the area<br> - Due Diligence Vendor-03/11/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Loan exception approval in file. Borrower has 6 NSFs within the last 12 months. - Due Diligence Vendor-03/12/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 43 months<br>CLTV is less than guidelines maximum - CLTV 72.89% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 703 is higher than the required 680 | LTV <= 5% of guide<br> Self Employed > 5 years<br> Years at Present Address - > 2 years<br> Mortgage History - 0\*30/36+ Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012039 | xxxxxx B A | Closed | xxxxxx | 2026-04-15 14:59 | 2026-04-16 09:35 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR on subject loan of 7.356% is within allowable threshold of APOR of 6.4% + 1.75%, or 8.15%. - Due Diligence Vendor-04/16/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR <br>- Due Diligence Vendor-04/15/2026 |  | Resolved-Compliant xxxxxx Subprime-APR on subject loan of 7.356% is within allowable threshold of APOR of 6.4% + 1.75%, or 8.15%. - Due Diligence Vendor-04/16/2026 | Long term residence - borrower has been at residence for 28 years <br>Qualifying DTI below maximum allowed - 3.92% < 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012039 | xxxxxx B A | Closed | xxxxxx | 2026-04-15 11:25 | 2026-04-15 11:59 | 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-04/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/15/2026 | Long term residence - borrower has been at residence for 28 years <br>Qualifying DTI below maximum allowed - 3.92% < 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012040 | xxxxxx C A B | Closed | xxxxxx | 2026-03-27 13:59 | 2026-04-14 11:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Project Review Fee) in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026<br>| Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-04/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 799. Per guide, a minimum score required 720.<br>LTV is less than guideline maximum - Borr LTV 22.99%. Per guides, maximum LTV 80%.<br>Months Reserves exceed minimum required - 57.82mos reserves. Per guides, 3 reserves required |  | xxxxxx PCCD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012040 | xxxxxx C A B | Closed | xxxxxx | 2026-03-27 23:13 | 2026-04-08 15:01 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-03/28/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-1008 provided. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 799. Per guide, a minimum score required 720.<br>LTV is less than guideline maximum - Borr LTV 22.99%. Per guides, maximum LTV 80%.<br>Months Reserves exceed minimum required - 57.82mos reserves. Per guides, 3 reserves required |  | 1008.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012040 | xxxxxx C A B | Closed | xxxxxx | 2026-03-27 14:50 | 2026-04-08 14:59 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 7.212% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77%. - Due Diligence Vendor-04/08/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.212% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77%. - Due Diligence Vendor-03/27/2026 |  | Resolved-APR on subject loan of 7.212% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77%. - Due Diligence Vendor-04/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 799. Per guide, a minimum score required 720.<br>LTV is less than guideline maximum - Borr LTV 22.99%. Per guides, maximum LTV 80%.<br>Months Reserves exceed minimum required - 57.82mos reserves. Per guides, 3 reserves required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012043 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000012051 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 14:31 | 2026-03-23 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, xxxxxx is not the primary or the subject property and a housing history is not required. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Additional housing history is not required when non-primary residence and non-subject property mortgages are not reported on the credit report per 2.9.2 second bullet point then sub section bullet point. - Due Diligence Vendor-03/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 month history for REO xxxxxx (xxxxxx). Bank statements in file only verify 10/25, 11/25, and 2/26. - Due Diligence Vendor-03/20/2026 |  | Resolved-After further review, xxxxxx is not the primary or the subject property and a housing history is not required. - Due Diligence Vendor-03/23/2026 | LTV is less than guideline maximum - Guidelines allow a maximum LTV of 70%. Subject LTV is 50%.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrower has 8.76 months of reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012071 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 06:36 | 2026-04-17 11:40 | Resolved | 1 - Information C A | Property | Appraisal | Valuation product is deficient | Resolved-Received acceptable SSR. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Open-Provide SSR reflecting the subject address without a unit number. Appraisal does not indicate unit xxxxxx - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026<br>| Resolved-Received acceptable SSR. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - Min 4, actual 12.13<br>Qualifying DTI below maximum allowed - Qualifying DTI is 758 below the minimum allowed 680. |  | UCDP.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012074 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000012083 | xxxxxx B A | Closed | xxxxxx | 2026-04-02 14:04 | 2026-04-02 14:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-04/02/2026 <br> Open-Audited LTV of 73.34% exceeds Guideline LTV of 70% LTV exception granted - Due Diligence Vendor-04/02/2026 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-04/02/2026 | Long term residence - 50 yrs at current residence<br>Months Reserves exceed minimum required - required six months reserves. Borrower has 8.11 months of reserves. | over 50 years at residence, 0x30 mtg history on subject |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000012087 | xxxxxx B A | Closed | xxxxxx | 2026-03-31 15:43 | 2026-03-31 15:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-03/31/2026 <br> Open-Exception Approved: More than 20% of the total units in the project are 60 days or more past due on the condominium/HOA fees. - Due Diligence Vendor-03/31/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-03/31/2026 | Months Reserves exceed minimum required - Reserves 63 months.<br>CLTV is less than guidelines maximum - Qualifying LTV 60% with max 75% | LTV is 5% below the maximum allowed. The borrower has owned the subject<br> property for more than 10 years, and the value is typical for the area. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012087 | xxxxxx B A | Closed | xxxxxx | 2026-03-31 15:23 | 2026-03-31 15:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-03/31/2026 <br> Open-Exception Approved: Transferred appraisal ordered in the other entity owner's name - Due Diligence Vendor-03/31/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-03/31/2026 | Months Reserves exceed minimum required - Reserves 63 months.<br>CLTV is less than guidelines maximum - Qualifying LTV 60% with max 75% | LTV is 5% below the maximum allowed. The borrower has owned the subject<br> property for more than 10 years, and the value is typical for the area. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012089 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 08:48 | 2026-04-02 10:00 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/02/2026 <br> Open-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. - Due Diligence Vendor-03/31/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows. - Due Diligence Vendor-04/02/2026 | On time mortgage history exceeds guideline requirement - On time mortgage history of 17 months exceed 1x30 last 12 months minimum required <br>Qualifying FICO score is at least 20 points above minimum for program - FICO 771 is higher than 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 2000012091 | xxxxxx D A | Closed | xxxxxx | 2026-04-14 09:48 | 2026-04-16 11:06 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - Due Diligence Vendor-04/16/2026 <br> Ready for Review-We have seen this condition on prior loan that ultimately get cancelled. Please provide remedy if required. xxxxxx! - Due Diligence Vendor-04/15/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.204% is within allowable threshold of APOR of 6.22% + 1.75% or 7.97% - Due Diligence Vendor-04/14/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640/ Borrower FICO 750<br>LTV is less than guideline maximum - Max LTV 80%/ Subject LTV 64.29% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012091 | xxxxxx D A | Closed | xxxxxx | 2026-04-14 09:02 | 2026-04-16 10:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure received, Finding Resolved - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-04/16/2026 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-04/16/2026<br>| Resolved-Required Affiliated Business Disclosure received, Finding Resolved - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640/ Borrower FICO 750<br>LTV is less than guideline maximum - Max LTV 80%/ Subject LTV 64.29% |  | xxxxxx no affiliates letter 04152026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-03 07:45 | 2026-04-28 16:37 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-04/07/2026 <br> Open-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. - Due Diligence Vendor-04/03/2026 |  | Waived-Waived to non-material, loan has full appraisal and escrows, meeting HPML compliance - Due Diligence Vendor-04/07/2026 | LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 15:35 | 2026-04-27 10:41 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection 1004d - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present , Provide 1004D with xxxxxx installed. Additional findings may apply. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026<br>| Resolved-Received final inspection 1004d - Due Diligence Vendor-04/27/2026 | LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  | xxxxxx.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 16:39 | 2026-04-14 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Counter-UDM provided however it is dated xxxxxx. Guidelines state - xxxxxx will perform Undisclosed Debt Monitoring (UDM), from application through closing and disbursement. Any new tradeline must be included in determining the DTI ratio. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 <br>Ready for Review-Document Uploaded. - Seller-04/07/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-04/14/2026 | LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  | xxxxxx.pdf<br> DRIVE Report.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 16:58 | 2026-04-08 10:41 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-xxxxxx Letter verifies 24 + months - Due Diligence Vendor-04/07/2026 <br> Open-ATR: Current Employment Not Verified Provide verification of CPA and borrower's business, additional findings may apply. - Due Diligence Vendor-04/06/2026 |  | Resolved-xxxxxx Letter verifies 24 + months - Due Diligence Vendor-04/07/2026 | LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 16:58 | 2026-04-08 10:41 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-xxxxxx Letter verifies 24 + months - Due Diligence Vendor-04/08/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower 1 Business Bank Statements Missing Provide: Two (2) months of business bank statements, which must: Evidence activity to support business operations. Reflect transfers to the personal account, (using personal bank statements for income) additional findings may apply. - Due Diligence Vendor-04/07/2026 |  | Resolved-xxxxxx Letter verifies 24 + months - Due Diligence Vendor-04/08/2026 | LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 17:42 | 2026-04-07 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Co-mingled account used - per xxxxxx Letter 100% owner. - Due Diligence Vendor-04/07/2026 <br> Open-Borrower 1 Business Bank Statements Missing Provide: Two (2) months of business bank statements, which must: Evidence activity to support business operations. Reflect transfers to the personal account, (using personal bank statements for income) additional findings may apply. - Due Diligence Vendor-04/06/2026 |  | Resolved-Co-mingled account used - per xxxxxx Letter 100% owner. - Due Diligence Vendor-04/07/2026 | LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012099 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-06 18:53 | 2026-04-07 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-04/07/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing back of work permit, additional findings may apply. - Due Diligence Vendor-04/06/2026 |  | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-04/07/2026<br>| LTV is less than guideline maximum - 78.02% LTV is less than 85% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 721 Qualifying FICO score is at least 20 points above 640 minimum for program |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012107 | xxxxxx B A | Closed | xxxxxx | 2026-04-17 09:42 | 2026-04-17 12:07 | 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-04/17/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 | On time mortgage history exceeds guideline requirement - Borrower has 0x30x82 month mortgage history.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 801. Per guide, a minimum score required 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012149 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000012182 | xxxxxx C B A | Closed | xxxxxx | 2026-04-17 10:24 | 2026-04-23 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists title company missing - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/23/2026 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 12 months <br>CLTV is less than guidelines maximum - CLTV 46.38 |  | dataverify- xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012182 | xxxxxx C B A | Closed | xxxxxx | 2026-04-17 09:55 | 2026-04-22 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Client provided a waiver for xxxxxx: Borrower without a xxxxxx credit score, applied to non material finding with comp factors - Due Diligence Vendor-04/22/2026 <br> Ready for Review-The request for an exception to xxxxxx's eligibility criteria is granted. - Due Diligence Vendor-04/21/2026 <br> Open-per guidelines escrow wavier is not allowed for xxxxxx: Borrower without a xxxxxx credit score - Due Diligence Vendor-04/17/2026 |  | Waived-Client provided a waiver for xxxxxx: Borrower without a xxxxxx credit score, applied to non material finding with comp factors - Due Diligence Vendor-04/22/2026 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 12 months <br>CLTV is less than guidelines maximum - CLTV 46.38 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 6 months or more |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012182 | xxxxxx C B A | Closed | xxxxxx | 2026-04-17 10:42 | 2026-04-22 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final master settlement statement - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Open-The Final SELLER CD/HUD is missing. not in file - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026<br>| Resolved-Received final master settlement statement - Due Diligence Vendor-04/22/2026 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 12 months <br>CLTV is less than guidelines maximum - CLTV 46.38 |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012200 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |

---

## Exhibit 99.16

**EXHIBIT 99.16**

**CLARIFII RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 844855 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846435 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847540 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847737 | xxxxxx | xxxxxx D | N/A D | N/A C | N/A C D | N/A D | N/A | N/A | N/A | N/A |
| 848732 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 849991 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850510 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850513 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850630 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 851467 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851630 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851735 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851811 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851932 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851971 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A B | A B |
| 851975 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852112 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852185 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852237 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852274 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852336 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852422 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852509 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852739 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852743 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852893 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852967 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853115 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853157 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853262 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853282 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853395 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853400 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853461 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853505 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853524 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853530 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853692 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853704 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853719 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853846 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853847 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853850 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853868 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853881 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853996 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854096 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854129 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854151 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 854308 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854358 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854359 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854433 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854436 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854562 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854602 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854746 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854749 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854905 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854920 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854967 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854988 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854994 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855027 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 855032 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855054 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855082 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855115 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 855119 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855124 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855147 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855149 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855184 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855224 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855236 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855242 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855248 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855251 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855306 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 855319 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855426 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855435 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855445 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855447 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855456 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855475 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 855479 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855591 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855606 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855666 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855669 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855735 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 855773 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855789 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855792 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855811 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856091 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856150 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856307 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856357 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 856375 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856400 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856416 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 856519 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856531 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856547 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856567 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856582 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856645 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856656 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856657 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 856679 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856686 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 856691 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856704 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856712 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856715 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856745 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856755 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856757 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856760 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856779 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856793 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856805 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856864 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856866 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856870 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856873 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856901 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 856929 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 856930 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 856933 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856935 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856972 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 856992 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857001 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857002 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857018 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857136 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857142 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 857168 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857171 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857176 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857187 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857206 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857211 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857245 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 857258 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857272 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857285 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857314 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857324 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857338 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 857372 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857431 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857440 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857445 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857447 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857511 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857513 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857523 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857537 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857542 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857596 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857598 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 857649 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857716 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857733 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857756 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857798 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857802 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857803 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857804 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 857865 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 857894 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857899 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857927 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857976 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858020 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858029 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858089 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858105 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 858116 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858118 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858119 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858175 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858345 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858389 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858390 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 858510 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858534 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858552 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858600 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858612 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858630 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858631 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858654 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 858699 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 858729 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858754 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858812 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 858822 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 858823 | xxxxxx | xxxxxx D | D A | A C | C D | D B | B A | A | A B | B |
| 858847 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 858856 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 858866 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858868 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 858877 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 858897 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858902 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858907 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858952 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859029 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859091 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859097 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 859118 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859127 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859163 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859166 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 859206 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859221 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859228 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 859263 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 859279 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 859453 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 859610 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 859625 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 859637 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859641 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859669 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859697 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 859699 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 859702 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859722 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859797 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 859804 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859810 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859814 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859824 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859832 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859870 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859871 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 859875 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859877 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859878 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859879 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859880 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859881 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859882 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859883 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859887 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859889 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859891 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 859913 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 859914 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859937 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 859941 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 859962 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 860004 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860010 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860012 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860038 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860054 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860060 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 860088 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860133 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 860142 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860253 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 860284 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860309 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 860313 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 860316 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860330 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 860353 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 860360 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860370 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 860377 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 860395 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860405 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 860409 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860421 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 860423 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860427 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 860486 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860497 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 860499 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 860543 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 860571 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860574 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 860586 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860590 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860591 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860594 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860609 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 860636 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 860652 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860655 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860656 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860657 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860658 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860659 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860662 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860664 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860667 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860673 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860674 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860678 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860679 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860684 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860686 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860691 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860699 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860700 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 860705 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
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| 860708 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860710 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860711 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860738 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 860748 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860754 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 860790 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860792 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860805 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 860816 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 860818 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860819 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
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| 860832 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 860840 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860842 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A B | B A | A B | B |
| 860845 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860868 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860888 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
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| 860899 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860900 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860903 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860907 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860911 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 860913 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 860925 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 860957 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860964 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A B | B A | A B | B |
| 861000 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861004 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 861011 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 861013 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861069 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861070 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861072 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 861073 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861099 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861104 | xxxxxx | xxxxxx D | D C | C | C D | D B | B | B A | A B | B |
| 861105 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 861106 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861109 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
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| 861186 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
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| 861192 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861195 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861198 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861211 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 861221 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
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| 861244 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 861250 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861259 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 861261 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861270 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861292 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861322 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 861326 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861329 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
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| 861337 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861341 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 861345 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861381 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861384 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 861422 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861428 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
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| 861432 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 861434 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861445 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861446 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 861459 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 861460 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861482 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
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| 861498 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
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| 861506 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861533 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 861541 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 861555 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 861559 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 861596 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 861617 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 861637 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
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| 861640 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 861641 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861644 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861645 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861647 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861669 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 861671 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 861674 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861675 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861676 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861677 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 861679 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861683 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861686 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861687 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 861690 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861694 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 861696 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 861697 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861700 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 861706 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861708 | xxxxxx | xxxxxx D | D C | C D | D | D A | A | A | A | A |
| 861711 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861714 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861716 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861717 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861722 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861733 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 861737 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861742 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861758 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 861762 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861763 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861766 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 861774 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861801 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 861802 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861806 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 861808 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861809 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861823 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 861824 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861827 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861968 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 861972 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861975 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861976 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 861978 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861980 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 861981 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861982 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861983 | xxxxxx | xxxxxx C | C D | D C | C D | D B | B A | A | A B | B |
| 861988 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861990 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861991 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 862009 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862018 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862024 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862027 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 862049 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862050 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862058 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862059 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 862060 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862061 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862062 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862063 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862066 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862067 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 862068 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 862077 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862078 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 862083 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862085 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 862091 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 862093 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862104 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 862107 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 862123 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862128 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 862161 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 862170 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862171 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862180 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 862185 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862202 | xxxxxx | xxxxxx A | A | A | A B | A B | A | A | A B | A B |
| 862209 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862213 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862226 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
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| 2000011741 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
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| 2000011779 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A | N/A | N/A | N/A |
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| 2000011804 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011820 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
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| 2000011867 | xxxxxx | xxxxxx C | C | C | C | C A | A | A | A | A |
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| 2000011893 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A | N/A | N/A | N/A |
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| 2000011970 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2000011984 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011994 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 2000012083 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 2000012087 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
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| 2000012091 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
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| 2000012107 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 2000012149 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2000012182 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000012200 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.17

**EXHIBIT 99.17**

**CLARIFII DATA COMPARE REPORT**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 846435 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846435 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per Note |
| 847737 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 849991 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| 850513 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850513 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850513 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per Appraisal |
| 850513 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850630 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850630 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| 850630 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.67 | 22.64 | Variance due to Audit using lower primary |
| 851467 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851467 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 851630 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 7.0000 | Per Note |
| 851735 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851932 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 851932 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 72.82 | loan amount/sales price |
| 851932 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per settlement statement |
| 851971 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.324 | 2.5498 | Short term rent/PITIA; Lender DSCR worksheet not provided |
| 851971 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851971 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 851971 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 73.42 | 174.00 | Audit reserves from cashout proceeds. |
| 851975 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851975 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | per appraisal |
| 851975 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 851975 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 32.53 | 43.75 | Matches 1008 |
| 852112 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 852112 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 852112 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 50 | 48.65 | Matches 1008 |
| 852112 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 50 | 48.65 | Matches 1008 |
| 852237 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 12 | 60 | Per Note |
| 852274 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 852274 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Purchase Contract |
| 852739 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 852893 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per the prepayment penalty addendum |
| 852893 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 853115 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 853115 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 712 | 711 | Matches Approval |
| 853505 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 853505 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 853505 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853505 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 61.71 | 62.58 | Matches 1008 |
| 853524 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 853530 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 65.69 | Audit matches 1008 |
| 853692 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 853846 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 853846 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 709 | Matches to 1008 in file |
| 853847 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 6.9900 | Per Note |
| 853847 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 853847 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 68.68 | per 1008 |
| 853847 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 709 | per credit report |
| 853847 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 68.68 | per 1008 |
| 853850 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 853850 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 709 | per credit report |
| 853850 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Paid off blanket mortgage |
| 853996 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 854129 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal. |
| 854151 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.416 | 1.2176 | Audit used higher market rent as allowed |
| 854151 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 728 | 730 | Per credit report |
| 854433 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854436 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 854436 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 7.3750 | Per Note |
| 854436 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854436 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 716 | 687 | Per credit report |
| 854602 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | per appraisal |
| 854749 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 854920 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855027 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Used the lesser of the 2 values |
| 855032 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855032 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855054 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.013 | 1.39649420448575 | Matches lender DSCR worksheet |
| 855115 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Paid off blanket mtg |
| 855124 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855147 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 855147 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 761 | 745 | Per matrix use highest representative score |
| 855147 | xxxxxx | xxxxxx | Qualifying LTV | crossCollateralPropertyDataPage | 58.75 | 63.16 | Per Originator's Cross Collateral Worksheet and Note |
| 855149 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 855224 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855224 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 19.18 | 19.64 | Matches 1008 |
| 855242 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Prepayment penalty Addendum. |
| 855242 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | SFR | Per Appraisal |
| 855251 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.156 | 1.2439 | Lender did not provide DSCR worksheet |
| 855251 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| 855251 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 8.58 | 34.00 | Per verified assets |
| 855306 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 855426 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 855435 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per prepayment penalty addendum |
| 855435 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 855445 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| 855447 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 855447 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| 855456 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855456 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.84 | 49.00 | Due to the Audit calculating less consumer debts |
| 855475 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 855479 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855479 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855479 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal. |
| 855666 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855666 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855666 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 855666 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 855735 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per CD |
| 855792 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | All properties are in same county |
| 856091 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 856091 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 778 | 786 | Per Credit Report |
| 856357 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 793 | 794 | per credit report |
| 856567 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per purchase contract |
| 856656 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 7.2500 | Per Note |
| 856656 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 856656 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 793 | 784 | Per credit report |
| 856656 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 59 | 65.00 | Per 1008 |
| 856679 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.0000 | Per Note |
| 856704 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 856704 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 71.76 | 72.50 | Matches 1008 |
| 856704 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 71.76 | 72.50 | Matches 1008 |
| 856712 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal. |
| 856715 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per Settlement Statement |
| 856864 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per Appraisal |
| 856864 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 856901 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 856901 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 17 | 20.65 | Matches 1008 |
| 856901 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 17 | 20.65 | Matches 1008 |
| 856935 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 856972 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per credit report |
| 856972 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.69 | 36.82 | Audit DTI consistent with 1008 |
| 856992 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 857001 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 857171 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 857245 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | 12-04-2025 | 12/03/2025 | per credit report |
| 857245 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 857285 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857285 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 857285 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 743 | 753 | Per credit report |
| 857338 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.26 | 79.50 | Matches condition sheet |
| 857372 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 72840.29 | 106446.35 | Per assets |
| 857431 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 698 | 687 | Per credit |
| 857440 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 857440 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 857440 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.51 | 22.14 | Audit DTI consistent with 1008 |
| 857511 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 857511 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD |
| 857537 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 6.8750 | Per Note |
| 857537 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 807 | 791 | Matches 1008 |
| 857597 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 857598 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 857598 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 857598 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.83 | 70.00 | Matches Approval |
| 857598 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.83 | 70.00 | Matches Approval |
| 857716 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 778 | 786 | Per credit report |
| 857733 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 24 | 0 | Per Note |
| 857802 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 857802 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 857803 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 857804 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 857927 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 858020 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 858089 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.97 | 38.85 | Audit DTI consistent with 1008 |
| 858105 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 858105 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.4 | 74.65 | Matches loan approval |
| 858345 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 858654 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 858754 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 858754 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.72 | 36.00 | Audit DTI consistent with 1008 |
| 858822 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.03 | 58.00 | Audit DTI within 2% of Lender DTI on Loan Approval |
| 858823 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| 858847 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.83 | 84.99 | 1st lien + 2nd lien/appraisal value |
| 858847 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.21 | 39.03 | Within 2% of Lender DTI on 1008 |
| 858856 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.5 | 43.94 | Audit DTI consistent with 1008 |
| 858877 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 36.81 | 37.55 | Matches 1008 |
| 858877 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 11.18 | 11.40 | Matches 1008 |
| 858897 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 858897 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 858902 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.2 | 1.2159 | Lender DSCR Breakdown not provided |
| 858907 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Condo Questionnaire |
| 859029 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 859091 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859091 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 68.41 | 70.00 | Audit matches Lender approval |
| 859091 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 68.41 | 70.00 | Audit matches Lender approval |
| 859097 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859097 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 859118 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859118 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 859127 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 859163 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859166 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per appraisal |
| 859206 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 859206 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal. |
| 859206 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859206 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859221 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per loan application |
| 859221 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.98 | 0.968 | Lender DSCR Breakdown not provided |
| 859221 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 79869.9 | 40.00 | Per verified assets |
| 859221 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 859263 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859263 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.9 | 12.06 | Audit calculated lower income |
| 859279 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 859453 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.89 | 31.23 | Lender included an installment debt that was paid off |
| 859610 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 10.5 | 6 | Per 1003 |
| 859610 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 859610 | xxxxxx | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 2 | Per 1003 |
| 859625 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.31 | 45.66 | Variance due to Audit calculating lower REO |
| 859697 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.95 | 47.73 | audited income calculated higher |
| 859702 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.17 | 35.74 | Audit DTI matches Lender DTI on 1008 |
| 859722 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 859722 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 859804 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.25 | 39.90 | Audit DTI within 2% of Lender DTI on 1008 |
| 859814 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859814 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 23.36 | 26.75 | Matches Approval |
| 859814 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 23.36 | 26.75 | Matches Approval |
| 859832 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.13 | 40.00 | Audit calculated lower negative rent |
| 859870 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 859870 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.093 | 1.034 | Lender DSCR calculation not provided |
| 859870 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 25411.98 | 12.00 | Per settlement statement |
| 859871 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 859871 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 859875 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 2.312 | 2.413 | Lender Calculation not provided |
| 859875 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 859875 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859875 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 1 | Per Appraisal. |
| 859877 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.184 | 1.111 | Due to difference is in Hazard Insurance monthly payment. |
| 859877 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per settlement |
| 859877 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859877 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859878 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final settlement statement |
| 859878 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per final 1003 |
| 859879 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859879 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 859879 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859880 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 859880 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859880 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 149292.78 | 39.00 | Per settlement statement |
| 859880 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 859881 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 in file |
| 859881 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859881 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 859882 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 859882 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement. |
| 859882 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 859882 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859883 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 859883 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.674 | 0.503 | Lender DSCR Breakdown not provided |
| 859887 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.75 | Variance is due to DSCR No Ratio program |
| 859887 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 20528.49 | 12.00 | Per verified assets |
| 859887 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 859887 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Ratio | Loan is DSCR-No Ratio doc type |
| 859889 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 859889 | xxxxxx | xxxxxx | Borrower 2 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 859889 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 859889 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 43547.04 | 20.00 | Per Settlement Statement net proceeds |
| 859889 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 859889 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 859891 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 859891 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 188230.29 | 22.00 | Per verified assets |
| 859891 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 859891 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 859891 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Ratio | DSCR no ratio |
| 859937 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per credit report |
| 859941 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 859962 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 859962 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal |
| 860010 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal |
| 860012 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860038 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.76 | 47.60 | Variance due to Audit calculating more consumer debt |
| 860060 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.08 | 22.24 | Audit DTI matches Lender 1008 |
| 860088 | xxxxxx | xxxxxx | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 3.1 | 27 | Per 1003 |
| 860088 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 860088 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 0.67 | 8 | Per 1003 |
| 860142 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 860142 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.34 | 20.51 | Audit matches 1008 |
| 860253 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 860313 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per final CD |
| 860316 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 860330 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 860353 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860353 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.84 | 70.00 | matches 1008 |
| 860360 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860370 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.33 | 9.21 | Audit DTI consistent with 1008 |
| 860405 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.89 | 39.39 | Variance due to Audit including property for co-borrower |
| 860409 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860409 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860409 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.55 | 21.38 | Due to inclusion of the primary PITIA |
| 860421 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 860421 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 860421 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 860421 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.69 | 24.33 | Audit calculated lower income |
| 860423 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860423 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 122.54 | Audit matches Lender approval |
| 860486 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 860497 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 860497 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 805 | 808 | Per Credit Report |
| 860497 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.34 | 18.48 | Audit calculated lower income |
| 860499 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 860543 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 860574 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 860574 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 860586 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.11 | 39.49 | Due to lender not including solar lease payments |
| 860590 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial application |
| 860590 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Permanent Resident ID |
| 860590 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 17660.00 | Per 1003 |
| 860590 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial application |
| 860609 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.83 | 38.33 | Audited DTI matches the 1008 |
| 860636 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 860636 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.05 | 44.65 | Within 2% of Lender DTI on 1008 |
| 860652 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860652 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 80 | 78.99 | Matches 1008 |
| 860655 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per Credit Report |
| 860655 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860655 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 58004.47 | 65.00 | Per loan proceeds |
| 860655 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860656 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 860656 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860656 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 83065.65 | 53.00 | Per loan proceeds |
| 860657 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860657 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860657 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 51256.92 | 29.00 | Per CD |
| 860658 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 860658 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860658 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 81610.3 | 54.00 | Per verified assets |
| 860658 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860658 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860659 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 860659 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860662 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 860662 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 860662 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860662 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 40979.29 | 19.00 | Per verified assets |
| 860667 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 860667 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 860667 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 860667 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860667 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860667 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 860673 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per settlement statement |
| 860674 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.874 | 0.835 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 860678 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 860678 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.816 | 0.791 | Lender DSCR Breakdown not provided |
| 860678 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 36312.97 | 25.00 | Per asset documentation |
| 860678 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 2 | Per appraisal |
| 860678 | xxxxxx | xxxxxx | Property Attachment Type | propertyValuationPage | Semi-Detached or End Unit | Detached | Per appraisal |
| 860679 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 860679 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 860679 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 860684 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 860684 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 860684 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 860684 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860684 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 588032.07 | 75.00 | Per verified assets |
| 860686 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 310174.22 | 59.00 | Per verified assets |
| 860686 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 860691 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860691 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860691 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860691 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 860699 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 860700 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 860700 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 66043.45 | 48.00 | Per Assets |
| 860700 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per purchase contract |
| 860705 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial CD |
| 860705 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860705 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860705 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 350149.86 | 83.00 | Per asset statements |
| 860705 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860706 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.585 | 1.629 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 860706 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860706 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860706 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860706 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 3885.71 | 1.00 | Per Asset documentation |
| 860706 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 860706 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 860708 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 860708 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860710 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 860710 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit qualified using lower sales price |
| 860711 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.881 | 0.797 | Lender DSCR Breakdown not provided |
| 860711 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 17383.66 | 44.00 | Per assets |
| 860711 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per Note |
| 860748 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.32 | 39.49 | Audit used higher payment for HELOC and consistent with 1008 |
| 860754 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 860756 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 860756 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 860790 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 860792 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.77 | 49.48 | Audit DTI consistent with 1008 |
| 860805 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 860827 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860832 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 860832 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.03 | 11.60 | Audit DTI variance due to negative rental income on REO |
| 860833 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 860868 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 860868 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.48 | 40.09 | Audit DTI consistent with 1008 |
| 860925 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 860957 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.32 | 25.00 | Audit DTI consistent with 1008 |
| 860964 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 860964 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.35 | 39.19 | Audit calculated higher REO |
| 861011 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 861069 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final cd |
| 861070 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 861072 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861072 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861072 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.43 | 25.90 | Audit calculated lower income |
| 861104 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 72.37 | 71.74 | Matches 1008 |
| 861105 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.64 | 56.16 | Audit DTI matches AUS in file |
| 861186 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861186 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.96 | 47.87 | Audit DTI consistent with 1008 |
| 861191 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861198 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.46 | 42.70 | Audit DTI consistent with 1008 |
| 861221 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 6.5000 | Per Note |
| 861221 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861221 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 58.02 | Matches Approval |
| 861221 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 787 | 684 | Matches Approval |
| 861221 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 58.02 | Matches Approval |
| 861221 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.62 | 49.93 | Lender DTI Breakdown not provided |
| 861231 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861244 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 7.7500 | Per Note |
| 861244 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 755 | 753 | Primary wage earner |
| 861244 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.43 | 45.41 | Within 2% of Lender DTI on 1008. |
| 861250 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861250 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861250 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861250 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.15 | 75.00 | Matches 1008 |
| 861259 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861259 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861259 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Credit Report |
| 861259 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 7.7500 | Per Note |
| 861259 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861259 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 76.75 | Matches 1008 |
| 861259 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 13.51 | 15.86 | Matches 1008 |
| 861322 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.375 | 6.5000 | Per Note |
| 861322 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861322 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861322 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 25.64 | 26.39 | Matches 1008 |
| 861326 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861326 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.76 | 21.90 | Within 2% of Lender DTI on 1008 |
| 861329 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | per final 1003 |
| 861329 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861336 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861336 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per documents in file |
| 861337 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 861337 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 776 | 715 | per credit report |
| 861337 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.38 | 41.79 | Audit calculated higher negative rental loss |
| 861389 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861422 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| 861428 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 861428 | xxxxxx | xxxxxx | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 12.86 | 153 | Per Final 1003 |
| 861428 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 7.83 | 94 | Per Final 1003 |
| 861433 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.78 | 41.77 | Audit DTI consistent with 1008 |
| 861433 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per Final CD |
| 861434 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.4 | 29.02 | Audit DTI consistent with 1008 |
| 861459 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.5 | 39.61 | Audit DTI consistent with 1008 |
| 861460 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 80 | 79.46 | Matches 1008 |
| 861460 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 80 | 79.46 | Matches 1008 |
| 861460 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Purchase contract. |
| 861488 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 861493 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 861498 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861498 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.72 | 44.53 | Audit matches 1008 |
| 861506 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 861533 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 861541 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.07 | 35.00 | Audit DTI consistent with 1008 |
| 861559 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 58.52 | 64.54 | Per 1008. |
| 861559 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.97 | 38.17 | Audit calculated lower income. |
| 861596 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 861617 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.1 | 40.19 | Audit calculated lower REO |
| 861633 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 861637 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 861638 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861638 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.66 | 10.31 | Audit calculated lower income |
| 861640 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861640 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 77.32 | 80.00 | Matches 1008 |
| 861640 | xxxxxx | xxxxxx | Qualifying LTV | the1008Page | 62.42 | 80.00 | Matches 1008 |
| 861641 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 861641 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 861644 | xxxxxx | xxxxxx | Interest Rate | notePage | 8 | 7.8750 | Per Note |
| 861647 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 861669 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit used lower sales price |
| 861671 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 861671 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861671 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 01-02-2026 | 02/18/2026 | Per LE |
| 861671 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861671 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 434422.05 | 61.00 | Per verified assets |
| 861671 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 684 | 765 | Per credit report |
| 861674 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 861674 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final HUD |
| 861674 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit utilizing lower sales price |
| 861674 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 1143888.25 | 264.00 | Per verified assets |
| 861675 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 861675 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861676 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 861676 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861676 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861676 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 794 | 801 | Per credit report |
| 861677 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861677 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 67741.94 | 34.00 | Per verified assets |
| 861677 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861679 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 861679 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 861679 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861679 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861679 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 861683 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Fraudguard, earliest documentation |
| 861683 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement. |
| 861683 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861683 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 861683 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 861683 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 861686 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 861686 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 861686 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 296127.78 | 132.00 | Per Bank Statement |
| 861686 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861687 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 861687 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 861687 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861687 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 305414.45 | 216.00 | Per verified assets |
| 861690 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 861690 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final Closing Statement |
| 861690 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final closing statement |
| 861690 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 861690 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861690 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 331608.01 | 123.00 | Per Asset documentation |
| 861690 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861690 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861690 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 740 | 781 | Per Credit Report |
| 861694 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861694 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 17132.66 | 3.00 | Per Asset documentation |
| 861694 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861696 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial application |
| 861696 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861696 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861696 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 68055.89 | 16.00 | Per asset statements |
| 861696 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861697 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861697 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 112716.44 | 104.00 | Per Settlement Statement cash-out proceeds |
| 861700 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial LE |
| 861700 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861700 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageInitial | 02-06-2026 | 01/23/2026 | Per Lock Confirmation |
| 861700 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861700 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 422141.54 | 152.00 | Per verified assets |
| 861700 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861706 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Fraud report |
| 861706 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 861706 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861706 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 33049.39 | 59.00 | Per verified assets |
| 861708 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861708 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861711 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 861711 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.572 | Bank statement loan per Approval |
| 861711 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 861711 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 861711 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861711 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861711 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861714 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 861714 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 42 | Not DSCR per approval |
| 861714 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861714 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 95986.94 | 13.00 | Per verified assets |
| 861714 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861716 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial Loan App |
| 861716 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PPCD |
| 861716 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861716 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 121821.45 | 0.00 | Per Asset documentation |
| 861716 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861716 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Business P&L | CPA P&L - 12 Months | Per Income documentation |
| 861717 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861717 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861717 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861737 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 861742 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.26 | 38.00 | Matches Lender's DTI from 1008. |
| 861763 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 861763 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income |
| 861801 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.32 | 47.40 | Lender used a much higher P&I |
| 861806 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861808 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 861808 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per earliest dated appraisal |
| 861827 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861968 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal. |
| 861978 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861981 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 861982 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862009 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 862009 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.32 | 28.88 | Audit DTI consistent with 1008 |
| 862027 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.03 | 47.88 | Lender used a higher first lien PITIA payment |
| 862058 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62.94 | 61.02 | loan amount/original sales price |
| 862058 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.17 | 43.95 | Audit matches final 1008 |
| 862059 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.86 | 14.24 | Within 2% of Lender DTI on 1008. |
| 862060 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 66.67 | 69.23 | Matches 1008 |
| 862061 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per Appraisal |
| 862062 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 862062 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.88 | 46.81 | Audit DTI consistent with 1008 |
| 862063 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 80 | 76.92 | Per 1008. |
| 862063 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 80 | 76.92 | Per 1008. |
| 862067 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 862067 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.09 | 29.57 | Lender used rental income for REO. No lease in file. |
| 862077 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 862077 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 862077 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.16 | 29.63 | Lender used less negative rent for subject |
| 862078 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862083 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 862085 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 862093 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 862104 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862123 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 862123 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 862123 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 804 | 813 | Matches 1008 |
| 862123 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.73 | 43.23 | Audit DTI consistent with 1008 |
| 862128 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862170 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862170 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.74 | 47.15 | Due to rental income not used by lender on simultaneously purchased property |
| 862185 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 862185 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 862185 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.56 | 36.00 | Audit matches final 1008 |
| 862202 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.49 | 52.67 | Audit DTI consistent with 1008 |
| 862213 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 862213 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.81 | 32.00 | Audit DTI consistent with 1008 |
| 862226 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 862247 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal. |
| 862253 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862262 | xxxxxx | xxxxxx | Interest Rate | notePage | 7 | 7.2500 | Per Note |
| 862264 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862264 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862266 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.6250 | Per Note |
| 862266 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 862266 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 80.00 | Matches 1008 |
| 862266 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 80.00 | Matches 1008 |
| 862266 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.27 | 24.65 | Audit DTI consistent with 1008 |
| 862266 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income docs in file |
| 862267 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862267 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 862268 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 862268 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.87 | 40.02 | Audit DTI consistent with 1008 |
| 862268 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per documentation in file |
| 862270 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.56 | 42.15 | income verified to be slightly lower. |
| 862270 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 862272 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 862272 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 862272 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.34 | 42.34 | Audit DTI consistent with 1008 |
| 862273 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862273 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.45 | 38.64 | Audit DTI consistent with 1008 |
| 862273 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 862276 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862276 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18 | 34.07 | Audit DTI within 2% of Lender DTI on 1008 |
| 862282 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 862282 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.96 | 38.45 | Matches 1008 |
| 862292 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 12 | 24 | Per Note |
| 862292 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 862297 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per documents in file and approval |
| 862339 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.36 | 49.00 | Audit within 2% of the 1008 |
| 862349 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862349 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.86 | 16.39 | Audit excluded an auto payment |
| 862499 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.53 | 45.10 | Due to Audit did not include rental loss |
| 862500 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862500 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862500 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 862500 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR 1099 | 1YR Full Doc | Per Approval |
| 862509 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 776 | 773 | Per credit report |
| 862532 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862532 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862533 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862534 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 862538 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.16 | 32.12 | Audit calculated lower income |
| 862553 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.56 | 43.38 | Within 2% of Lender DTI on 1008 |
| 862554 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.76 | 48.05 | Audit excluded 6 of 7 debts noted as paid on CD for refinance of other REO. |
| 862564 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 862576 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 762 | 760 | per credit report |
| 862576 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.24 | 37.26 | Due to lender has different amount for TIA on primary home |
| 862600 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 862600 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 862607 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 862630 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisl |
| 862630 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per documents in file |
| 862634 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title |
| 862634 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documents |
| 862698 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | per appraisal |
| 862731 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 69.1 | 70.00 | Matches 1008 |
| 862731 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.1 | 70.00 | Matches 1008 |
| 862731 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per approval |
| 862735 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862736 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862742 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862744 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862745 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862750 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862751 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final cd |
| 862751 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862757 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862761 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 862761 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862764 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Warranty in file |
| 862764 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862769 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Inital 1003 |
| 862769 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862782 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862784 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862788 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862805 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862806 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862812 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal & Condo Questionnaire |
| 862812 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862820 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862821 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal/Condo Questionnaire |
| 862821 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862821 | xxxxxx | xxxxxx | ULI | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 862837 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | Per appraisal |
| 862837 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862843 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862844 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 862844 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862851 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire |
| 862851 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862853 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862855 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 862855 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862857 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Warranty in file |
| 862857 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862861 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862863 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 862863 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862870 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862872 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862872 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862875 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 862875 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862878 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862882 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862882 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862888 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 862890 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862890 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862891 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862903 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862959 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 862990 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.62 | 47.89 | Audit DTI consistent with 1008 |
| 862998 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863028 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.97 | 40.50 | matches with 1008 |
| 863039 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863039 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863047 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863058 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per DOT |
| 863078 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.25 | 17.21 | Audit DTI consistent with 1008 |
| 863078 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Approval |
| 863086 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 863086 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863086 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863086 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863086 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-09-2026 | 09/02/2026 | Per revised LE |
| 863086 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863086 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863090 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 863090 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863090 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | per 1003 |
| 863090 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863090 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863090 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863090 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-10-2026 | 06/02/2026 | Per Rate Lock Confirmation |
| 863090 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863090 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863099 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per credit report |
| 863099 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final Settlement statement |
| 863099 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final Settlement statement |
| 863099 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863099 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 863102 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003. |
| 863102 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD. |
| 863102 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD. |
| 863102 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-11-2026 | 11/02/2026 | per lock confirmation |
| 863102 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863103 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 863103 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863103 | xxxxxx | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863103 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863103 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863103 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 84043.31 | 19.00 | Per loan proceeds |
| 863103 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863109 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Loan Score Card and FraudGuard |
| 863109 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863109 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 863109 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 863109 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863109 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 274014.76 | 36.00 | Per asset statements |
| 863110 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 863110 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863110 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863110 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-25-2026 | 02/20/2026 | Per LE/Lock Confirmation |
| 863110 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863110 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 34292.28 | 5.00 | per asset statement |
| 863110 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863112 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 863112 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863112 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863112 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863112 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863112 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 863115 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per the 1003. |
| 863115 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863116 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 863116 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863116 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863116 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863116 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863120 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 863120 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863120 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863120 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863120 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 31180.67 | 38.00 | Per verified assets |
| 863120 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863125 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD/Settlement Statement |
| 863125 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 54605.71 | 5.00 | per asset statements |
| 863125 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863131 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.28 | 47.27 | Lender counted primary house payment twice in the DTI. |
| 863134 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Approval |
| 863136 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 863137 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863177 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.96 | 32.90 | Audit DTI consistent with 1008 |
| 863191 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863191 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863207 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 863210 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.5 | 43.27 | Verified income lower than lenders |
| 863212 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863215 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863215 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 31.68 | 34.76 | Matches lenders1008 |
| 863219 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 863219 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.59 | 45.09 | Matches 1008 |
| 863219 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income provided |
| 863225 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 863225 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 863225 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 63.44 | 6.33 | Matches 1008 |
| 863226 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal, title |
| 863226 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per lender docs submitted |
| 863230 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.76 | 28.24 | Audit DTI consistent with 1008 |
| 863242 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863242 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.24 | 42.44 | Lender used an auto loan with less than 10 payments |
| 863250 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863250 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.14 | 21.53 | Audit DTI consistent with 1008 |
| 863250 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per final CD/contract of sale |
| 863250 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 863252 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863252 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.0000 | Per Note |
| 863252 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 863252 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 74.93 | Per 1008 |
| 863252 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 863259 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 863305 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 863305 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 863318 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863318 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 47.3 | 46.67 | Matches 1008 |
| 863318 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.97 | 41.68 | Audit DTI consistent with 1008 |
| 863427 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863427 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 863550 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863552 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863552 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863565 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 863566 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Income Documentation |
| 863567 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863567 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal, title |
| 863646 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal/title |
| 863671 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal report |
| 863678 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income documentation |
| 863695 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 863766 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863766 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal and title |
| 863766 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.94 | 12.42 | Audit calculated less REO debt |
| 863846 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 720 | 717 | Per credit report |
| 863846 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.45 | 35.00 | Audit used an higher credit card payment |
| 863893 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 863893 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 863893 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.75 | 29.00 | Due to audited income lower |
| 863893 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per sales price |
| 863893 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Month Bank Statement | Per income documentation |
| 863987 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.32 | 36.25 | Due to audit using 1% of the student loans balance per guidelines |
| 864033 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864140 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per sales contract |
| 864178 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 21970.64 | 20.00 | per asset statement |
| 864178 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864187 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Fraud Guard |
| 864188 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 864188 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 864188 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 19072.66 | 55.00 | Per asset documentation |
| 864188 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864190 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per final 1003 |
| 864190 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 802 | 825 | Per credit report |
| 864194 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 864194 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864194 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 784 | 793 | Per Credit Report |
| 864203 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864203 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 02-18-2026 | 03/11/2026 | Per lock confirmation |
| 864203 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864207 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 864207 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per PCCD |
| 864207 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per sales price |
| 864211 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per PCCD |
| 864211 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 169984.01 | 6.00 | per assets |
| 864211 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864212 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 864212 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864215 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864221 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per 1003 |
| 864221 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 864221 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per sales contract |
| 864221 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864225 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 864225 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.981 | Not a DSCR per Approval |
| 864225 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 864225 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 360455 | 52.00 | per asset statement |
| 864225 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864225 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 758 | 766 | Per credit report |
| 864229 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 864229 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 10475.79 | 4.00 | Per asset documentation |
| 864229 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864229 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864234 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 864234 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per 1003 |
| 864234 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 864234 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 115190.48 | 15.00 | per assets |
| 864234 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864235 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 864248 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | SFR | Per appraisal |
| 864248 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 689 | 0 | Per credit report |
| 864304 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864369 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 865244 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 2000011311 | xxxxxx | xxxxxx | Borrower 1 Citizen | the1003Page | Foreign National | Non-permanent Resident Alien | Per Citizenship documents |
| 2000011311 | xxxxxx | xxxxxx | Business Entity EIN | businessPurposePage | xxxxxx | xxxxxx | Per IRS document |
| 2000011311 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per loan approval |
| 2000011311 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 2000011364 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Citizenship documents |
| 2000011364 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| 2000011364 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 999 | Per Appraisal |
| 2000011364 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per appraisal |
| 2000011371 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Citizenship documents |
| 2000011371 | xxxxxx | xxxxxx | Borrower 1 Ethnicity - Not Hispanic or Latino | the1003Page | true | false | Per 1003 |
| 2000011371 | xxxxxx | xxxxxx | Borrower 1 Race - White | the1003Page | true | false | Per 1003 |
| 2000011371 | xxxxxx | xxxxxx | Borrower 1 Sex - Male | the1003Page | true | false | Per 1003 |
| 2000011371 | xxxxxx | xxxxxx | Lender Name | notePage | xxxxxx | xxxxxx | Per Note |
| 2000011371 | xxxxxx | xxxxxx | Originator DSCR | diligenceFinalLookPage | 1.1 | 1.54 | Lender DSCR Breakdown not provided |
| 2000011371 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | per appraisal |
| 2000011403 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per approval |
| 2000011409 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per approval |
| 2000011409 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 73 | per appraisal |
| 2000011424 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011438 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per Approval |
| 2000011452 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Citizenship documents |
| 2000011452 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 2000011452 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000011452 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 2000011453 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000011453 | xxxxxx | xxxxxx | Prepayment Penalty Calculation | notePage | 5%, 4%, 3% | 5%, 4%, 3%, 2%, 1% | Per Note |
| 2000011453 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | per appraisal report |
| 2000011458 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 8.5 | Per Note |
| 2000011458 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000011458 | xxxxxx | xxxxxx | Prepayment Penalty Calculation | notePage | 5%, 4%, 3% | 5%, 4%, 3%, 2%, 1% | Per Note |
| 2000011458 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011466 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000011485 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per citizenship documents |
| 2000011485 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011487 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per citizenship documents |
| 2000011487 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011487 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 972 | Per Appraisal |
| 2000011488 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per citizenship documents |
| 2000011488 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | 1-4 Family Rider in file |
| 2000011488 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011488 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per the appraisal |
| 2000011488 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | CD reflects brought funds to closing. |
| 2000011509 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011509 | xxxxxx | xxxxxx | Monthly Hazard Insurance Premium | propertyInsurancePage | 73.48 | 73.39 | per updated Hazard |
| 2000011509 | xxxxxx | xxxxxx | PUD Rider | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011523 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per citizenship documents |
| 2000011523 | xxxxxx | xxxxxx | Condo Rider | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011523 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011523 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011523 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 232 | Per appraisal |
| 2000011523 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note |
| 2000011523 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per Note |
| 2000011523 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 34.52 | 6 | Verified w/HUD from sale of home |
| 2000011554 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011583 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011583 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 466 | Per appraisal |
| 2000011583 | xxxxxx | xxxxxx | Originator DSCR | diligenceFinalLookPage | 0.75 | 0.77 | Lender DSCR Breakdown not provided |
| 2000011583 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note |
| 2000011583 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| 2000011583 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 26.36 | 12 | Per verified assets |
| 2000011586 | xxxxxx | xxxxxx | Occupancy | the1003Page | Investment | Primary Residence | Per 1003 |
| 2000011586 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Prepayment Addendum to Note. |
| 2000011602 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per citizenship documents |
| 2000011602 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011642 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000011662 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011662 | xxxxxx | xxxxxx | Originator DSCR | diligenceFinalLookPage | 1.25 | 1.32 | Matches Lender DSCR Rate Lock |
| 2000011662 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 77.42 | 12 | From cash out proceeds |
| 2000011663 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per lock confirmation |
| 2000011663 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 2000011663 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 10.59 | 12 | 6 months required |
| 2000011858 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per Approval |

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## Exhibit 99.18

**EXHIBIT 99.18**

**CLARIFII ATR QM REPORT**

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| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 844855 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846435 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 847540 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 847737 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4075 | 9.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6150.48 | Yes | Employed |  | No |  | No |  |
| 848732 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849991 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850510 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850513 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850630 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24148.13 | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 239367.71 | Yes | Employed |  | No |  | No |  |
| 851467 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851630 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851735 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851811 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851932 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 851971 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851975 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852112 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1774.9 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17435.39 | N/A | Employed | Employed | No | No | No |  |
| 852185 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852237 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852274 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 852336 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 852422 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852509 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852739 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852743 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852893 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852967 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853115 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853157 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853262 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853282 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 853395 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853400 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853461 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853505 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853524 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853530 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853692 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 853704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853719 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 55021.18 | Yes | Employed |  | No |  | Yes | Present |
| 853846 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853847 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853850 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853868 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853881 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 853996 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854096 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854129 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854151 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 854308 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 854358 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854359 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854433 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854436 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854562 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854602 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854746 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854749 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854905 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854920 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 854967 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854988 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854994 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855027 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855032 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 855054 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855082 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855115 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855119 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855124 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855147 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 855149 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855184 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 855224 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855236 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855242 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 855248 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855251 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855306 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 855319 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855426 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855435 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 855445 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855447 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855456 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 17577.65 | Yes | Employed |  | No |  | Yes | Present |
| 855475 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2486.4 | 7.451 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 8073.62 | N/A | Employed |  | No |  | No |  |
| 855479 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855591 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855606 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855666 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855669 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855735 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855773 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855789 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855792 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855811 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856091 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856150 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856307 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 856357 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856375 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 856400 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856416 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856519 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856531 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856547 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856567 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856582 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856645 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856656 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856657 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856679 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856686 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856691 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856712 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856715 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856745 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856755 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856757 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856760 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856779 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856793 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856805 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856864 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856866 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 856870 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 856873 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856901 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3281.29 | 7.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2346.23 | Yes | Employed | Employed | No | No | No |  |
| 856929 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856930 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856933 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856935 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 856972 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 6269.12 | N/A | Employed |  | No |  | Yes | Present |
| 856992 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 857001 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857002 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857018 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857136 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857142 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857168 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857171 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857176 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857187 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857206 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857211 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857245 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857258 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857272 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 857285 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857314 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857324 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857338 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10595 | 8.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16392.77 | Yes | Employed |  | No |  | No |  |
| 857372 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 857431 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857440 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 79840.69 | Yes | Employed |  | No |  | Yes | Present |
| 857445 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857447 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 857511 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857513 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857523 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857537 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857542 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857596 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 857597 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857598 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857649 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857716 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 857733 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857756 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.769 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18051.33 | N/A | Employed |  | No |  | No |  |
| 857798 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857802 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857803 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857804 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857865 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857894 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857899 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857927 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857976 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858020 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858029 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 858089 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 14309.08 | 7.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5104.23 | Yes | Employed | Employed | No | No | No |  |
| 858105 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11643.75 | 8.173 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 5073.86 | N/A | Employed | Employed | No | No | No |  |
| 858116 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858118 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858119 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858175 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858345 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 858389 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8228.7 | 6.773 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 6632.11 | N/A | Employed |  | No |  | No |  |
| 858390 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27540 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23613.41 | Yes | Employed |  | No |  | No |  |
| 858510 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858534 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858552 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858597 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858600 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858612 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 858630 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858631 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858654 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 9820 | 7.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13523.28 | Yes | Employed |  | No |  | No |  |
| 858699 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858729 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858754 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2455 | 6.789 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 17644.95 | N/A | Employed |  | No |  | No |  |
| 858812 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23764.62 | Yes | Employed |  | No |  | Yes | Present |
| 858822 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 6.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2492.05 | Yes | Employed |  | No |  | No |  |
| 858823 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 6.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4813.79 | Yes | Employed |  | No |  | No |  |
| 858847 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11633.5 | 10.637 | Yes | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | 16357.72 | Yes | Employed | Not Employed | No | No | No |  |
| 858856 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5590 | 7.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12745.52 | Yes | Employed |  | No |  | No |  |
| 858866 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858868 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8134.98 | 7.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3984.87 | N/A | Employed |  | No |  | No |  |
| 858877 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7000 | 8.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 125668.86 | Yes | Employed |  | No |  | No |  |
| 858897 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3180 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30917.28 | Yes | Employed |  | No |  | No |  |
| 858902 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858907 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 858952 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859029 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859091 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859097 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2450 | 7.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29821.6 | N/A | Employed |  | No |  | No |  |
| 859118 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 859127 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 859163 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859166 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859206 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859221 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859228 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21544.72 | N/A | Retired |  | No |  | No |  |
| 859263 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 232319 | N/A | Not Employed | Not Employed | No | No | No |  |
| 859279 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2290 | 7.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8061.92 | Yes | Employed | Employed | No | No | No |  |
| 859453 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 14369.56 | N/A | Employed |  | No |  | Yes | Present |
| 859610 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859625 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25532.12 | Yes | Employed |  | No |  | No |  |
| 859637 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859641 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8095 | 6.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 93493.44 | N/A | Employed |  | No |  | No |  |
| 859669 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859697 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24100.26 | N/A | Employed | Employed | No | No | No |  |
| 859699 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 37253.1 | N/A | Not Employed | Not Employed | No | No | No |  |
| 859702 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 26714.24 | 7.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12244.87 | Yes | Employed |  | No |  | No |  |
| 859722 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8860 | 6.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8718.99 | N/A | Employed | Not Employed | No | No | No |  |
| 859797 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2050 | 7.467 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 5530.71 | N/A | Employed |  | No |  | No |  |
| 859804 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3957.39 | 6.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10884.24 | N/A | Not Employed |  | No |  | No |  |
| 859810 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859814 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.872 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4016.87 | N/A | Retired |  | No |  | No |  |
| 859824 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859832 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5500 | 6.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7574.66 | N/A | Employed |  | No |  | No |  |
| 859870 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859871 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12885.63 | 7.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22818.71 | N/A | Employed |  | No |  | No |  |
| 859875 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859877 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859878 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859879 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859880 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | Yes |  | Yes | Present |
| 859881 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859882 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859883 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859887 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 859889 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859891 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859913 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16839 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51359.12 | Yes | Employed |  | No |  | No |  |
| 859914 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859937 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859941 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859962 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | Yes | No | No | No | No | No | 5460 | 8.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9933.37 | Yes | Employed |  | No |  | No |  |
| 860004 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3563.53 | 6.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25254.06 | Yes | Employed |  | No |  | No |  |
| 860010 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860012 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895 | 6.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63374.51 | Yes | Employed |  | No |  | No |  |
| 860038 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10200 | 7.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4270.66 | Yes | Employed |  | No |  | No |  |
| 860054 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11165 | 6.489 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 9516.32 | N/A | Employed | Employed | No | No | No |  |
| 860060 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4290 | 8.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24469.43 | N/A | Employed |  | No |  | No |  |
| 860088 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 26917.75 | Yes | Employed |  | No |  | No |  |
| 860133 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8938 | 7.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8247.19 | N/A | Employed |  | No |  | No |  |
| 860142 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9808 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9192.3 | Yes | Employed |  | No |  | No |  |
| 860253 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 24678.85 | N/A | Employed |  | No |  | Yes | Present |
| 860284 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 6.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23201.04 | N/A | Retired | Retired | No | No | No |  |
| 860309 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7016 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 9520.21 | Yes | Not Employed | Employed | No | No | No |  |
| 860313 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6340 | 8.667 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 33021.73 | Yes | Not Employed | Employed | No | No | No |  |
| 860316 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2655 | 6.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14234.02 | N/A | Employed |  | No |  | No |  |
| 860330 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 24648.25 | 8.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7974.92 | Yes | Employed |  | No |  | No |  |
| 860353 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11895 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9346.51 | Yes | Employed |  | No |  | No |  |
| 860360 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.652 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15283.27 | Yes | Not Employed | Not Employed | No | No | No |  |
| 860370 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 9625 | 7.712 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17364.08 | N/A | Employed |  | No |  | No |  |
| 860377 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 10948.46 | Yes | Employed |  | No |  | Yes | Present |
| 860395 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10830 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17096.13 | N/A | Employed |  | No |  | No |  |
| 860405 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17732.34 | 7.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10675.51 | Yes | Employed | Employed | No | No | No |  |
| 860409 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 9528.74 | N/A | Employed |  | No |  | Yes | Present |
| 860421 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4638.9 | 7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24288.75 | N/A | Employed |  | No |  | No |  |
| 860423 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5815 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 76678.8 | Yes | Employed |  | No |  | No |  |
| 860427 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2440 | 8.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9821.38 | Yes | Employed |  | No |  | No |  |
| 860486 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28770 | 6.897 | Yes | Yes | N/A | Yes | Yes | No | No | Yes | Yes | Yes | 52821.62 | N/A | Employed |  | No |  | No |  |
| 860497 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1841.96 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 35027.34 | Yes | Employed | Not Employed | No | No | No |  |
| 860499 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1295 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9548.43 | Yes | Employed |  | No |  | No |  |
| 860543 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 7371 | 8.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3947.09 | N/A | Employed |  | No |  | No |  |
| 860571 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 6.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2123.28 | N/A | Employed |  | No |  | No |  |
| 860574 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8957.63 | 6.31 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 10783.97 | N/A | Employed |  | No |  | No |  |
| 860586 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2568 | 6.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9566.22 | N/A | Employed |  | No |  | No |  |
| 860590 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4030 | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10763.07 | Yes | Employed |  | No |  | No |  |
| 860591 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19935.5 | Yes | Employed |  | No |  | Yes | Present |
| 860594 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11015 | 6.567 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 11616.71 | Yes | Employed |  | No |  | No |  |
| 860609 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10918 | 7.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5724.91 | Yes | Employed |  | No |  | No |  |
| 860636 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7115 | 7.611 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5284.7 | Yes | Employed | Employed | No | No | No |  |
| 860652 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10925 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35135.82 | Yes | Employed |  | No |  | No |  |
| 860655 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860656 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860657 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860658 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860659 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860662 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860664 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860667 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860673 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860674 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860678 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860679 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860684 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860686 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860691 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860699 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860700 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 24638 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3643.82 | N/A | Employed |  | No |  | No |  |
| 860705 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 22010.35 | 7.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 13429.17 | N/A | Employed |  | No |  | No |  |
| 860706 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860708 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 17081.85 | 8.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7189.64 | N/A | Employed |  | No |  | No |  |
| 860710 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 20935 | 6.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7237.3 | N/A | Employed | Employed | No | No | No |  |
| 860711 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860738 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860748 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 12570 | 7.026 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 16797.89 | N/A | Employed | Employed | No | No | No |  |
| 860754 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34830.16 | Yes | Employed |  | No |  | Yes | Present |
| 860756 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31343.75 | N/A | Employed |  | No |  | Yes | Present |
| 860790 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 308969.34 | Yes | Employed |  | No |  | Yes | Present |
| 860792 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8112.46 | 8.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4505.63 | N/A | Employed | Not Employed | No | No | No |  |
| 860805 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7040 | 7.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 39897.04 | N/A | Employed |  | No |  | No |  |
| 860816 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 177002.52 | N/A | Employed |  | No |  | No |  |
| 860818 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30946.5 | 7.24 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 49558.52 | N/A | Employed |  | No |  | No |  |
| 860819 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4420 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4119.9 | Yes | Employed |  | No |  | No |  |
| 860827 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17645 | 7.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12226.46 | Yes | Employed |  | No |  | No |  |
| 860832 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2240 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 104146.34 | Yes | Employed |  | No |  | No |  |
| 860833 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 25520 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9880.55 | N/A | Employed | Employed | No | No | No |  |
| 860840 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2455 | 6.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9519.87 | Yes | Employed |  | No |  | No |  |
| 860842 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 13944 | 8.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9188.84 | N/A | Employed |  | No |  | No |  |
| 860845 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860868 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28267.3 | N/A | Employed |  | No |  | No |  |
| 860888 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9366.95 | 7.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27076.39 | Yes | Employed |  | No |  | No |  |
| 860896 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 20950 | 7.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7523.78 | Yes | Employed |  | No |  | No |  |
| 860899 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15830 | 6.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9056.68 | N/A | Employed |  | No |  | No |  |
| 860900 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15427.5 | 6.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 32611.49 | Yes | Employed |  | No |  | No |  |
| 860903 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 28140 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8482.88 | N/A | Employed | Not Employed | No | No | No |  |
| 860907 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11345 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11918.98 | N/A | Employed |  | No |  | No |  |
| 860911 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1450 | 6.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4975.81 | Yes | Employed |  | No |  | No |  |
| 860913 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5387.5 | 6.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6855.05 | N/A | Employed |  | No |  | No |  |
| 860925 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6390 | 8.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39890.26 | Yes | Employed |  | No |  | No |  |
| 860957 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8410 | 6.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10781.64 | N/A | Employed |  | No |  | No |  |
| 860964 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 15170 | 7.989 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40875.99 | Yes | Not Employed | Not Employed | No | No | No |  |
| 861000 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18795 | 6.677 | N/A | N/A | N/A | N/A | Yes | Yes | N/A | Yes | Yes | Yes | 8991.37 | N/A | Employed |  | No |  | No |  |
| 861004 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 33621.2 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9026.99 | N/A | Employed |  | No |  | No |  |
| 861011 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9005 | 6.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11904 | Yes | Retired |  | No |  | No |  |
| 861013 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4185 | 7.18 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14697.42 | Yes | Employed |  | No |  | No |  |
| 861069 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 83401.35 | N/A | Employed |  | No |  | Yes | Present |
| 861070 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11494 | 6.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27819.04 | Yes | Employed |  | No |  | No |  |
| 861072 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13905 | 7.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14671.57 | Yes | Employed |  | No |  | No |  |
| 861073 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2590 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13354.93 | N/A | Employed | Employed | No | No | No |  |
| 861099 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17965 | 6.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11205.03 | Yes | Employed |  | No |  | No |  |
| 861104 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 5172.5 | 7.507 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3076.61 | Yes | Employed |  | No |  | No |  |
| 861105 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5761.25 | 6.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2553.49 | N/A | Employed |  | No |  | No |  |
| 861106 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5750 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41966.76 | N/A | Employed |  | No |  | No |  |
| 861109 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18281 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50099.45 | N/A | Employed | Employed | No | No | No |  |
| 861173 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1855.48 | 7.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12166.62 | N/A | Employed | Employed | No | No | No |  |
| 861185 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2550 | 6.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48529.15 | N/A | Employed |  | No |  | No |  |
| 861186 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2600 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8645.76 | N/A | Employed |  | No |  | No |  |
| 861191 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2690 | 7.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5937.73 | N/A | Employed |  | No |  | No |  |
| 861192 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 31752.36 | 6.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10265.02 | N/A | Employed |  | No |  | No |  |
| 861195 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11836.33 | Yes | Employed |  | No |  | No |  |
| 861198 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 33320 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24031.14 | N/A | Employed |  | No |  | No |  |
| 861211 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5244.03 | 9.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21684.73 | N/A | Employed |  | No |  | No |  |
| 861221 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21335.75 | Yes | Employed | Employed | No | No | Yes | Present |
| 861231 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3364 | 6.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45692.73 | N/A | Employed |  | No |  | No |  |
| 861242 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15200 | 8.465 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 16242.59 | N/A | Employed |  | No |  | No |  |
| 861244 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6900 | 7.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8728.03 | Yes | Employed | Employed | No | No | No |  |
| 861250 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 1640 | 6.594 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27585.16 | Yes | Employed | Employed | No | No | No |  |
| 861259 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5788.12 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9878.55 | Yes | Employed | Employed | No | No | No |  |
| 861261 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12454.93 | N/A | Employed |  | No |  | Yes | Present |
| 861270 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 29191.34 | N/A | Employed |  | No |  | Yes | Present |
| 861292 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 26480 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10317.34 | Yes | Employed |  | No |  | No |  |
| 861322 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9867.5 | 6.447 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 256836.54 | N/A | Not Employed | Employed | No | No | No |  |
| 861326 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2547.95 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91548.38 | N/A | Employed |  | No |  | No |  |
| 861329 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8590 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25410.36 | N/A | Employed |  | No |  | No |  |
| 861336 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14331 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13972.14 | Yes | Employed |  | No |  | No |  |
| 861337 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 10118.57 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 861341 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19290 | 6.876 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7483.99 | N/A | Employed |  | No |  | No |  |
| 861345 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2390 | 7.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20580.46 | N/A | Employed |  | No |  | No |  |
| 861381 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13200 | 6.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15499.46 | Yes | Employed |  | No |  | No |  |
| 861384 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 63317.6 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 861388 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 61400.27 | Yes | Employed |  | No |  | Yes | Present |
| 861389 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9081 | 7.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9868.23 | N/A | Employed |  | No |  | No |  |
| 861403 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11940 | 8.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 209306.98 | N/A | Employed | Not Employed | No | No | No |  |
| 861422 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3150 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44345.71 | Yes | Employed |  | No |  | No |  |
| 861428 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15045 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 303080.98 | N/A | Employed |  | No |  | No |  |
| 861430 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1695 | 7.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17835.47 | N/A | Employed |  | No |  | No |  |
| 861432 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2693 | 6.436 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13038.14 | N/A | Employed | Not Employed | No | No | No |  |
| 861433 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2620 | 6.671 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31042.41 | Yes | Employed |  | No |  | No |  |
| 861434 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.851 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12505.33 | N/A | Employed |  | No |  | No |  |
| 861445 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12517.5 | 6.731 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7257.87 | Yes | Employed |  | No |  | No |  |
| 861446 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28975 | 6.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 51432.18 | Yes | Employed |  | No |  | No |  |
| 861459 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2365 | 6.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14449.4 | Yes | Employed |  | No |  | No |  |
| 861460 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10826.16 | Yes | Employed |  | No |  | No |  |
| 861482 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11350 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14615.53 | N/A | Employed |  | No |  | No |  |
| 861488 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6207.69 | N/A | Employed |  | No |  | No |  |
| 861490 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10485.63 | 6.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6691.62 | N/A | Employed |  | No |  | No |  |
| 861491 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5531.25 | 7.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6015.83 | Yes | Employed |  | No |  | No |  |
| 861493 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16200 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50070.58 | N/A | Employed | Not Employed | No | No | No |  |
| 861497 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7032.5 | 6.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9035.21 | N/A | Employed |  | No |  | No |  |
| 861498 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 5125.94 | 6.912 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5027.82 | N/A | Employed |  | No |  | No |  |
| 861503 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7925 | 6.579 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6079.29 | N/A | Not Employed |  | No |  | No |  |
| 861506 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6565 | 6.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5539.9 | N/A | Employed |  | No |  | No |  |
| 861533 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7515 | 7.926 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9839.57 | N/A | Employed |  | No |  | No |  |
| 861541 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 17796.25 | 6.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39658.01 | Yes | Employed |  | No |  | No |  |
| 861555 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10430.5 | 8.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26999.6 | N/A | Employed |  | No |  | No |  |
| 861559 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10908.99 | Yes | Employed |  | No |  | Yes | Present |
| 861596 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4399 | 8.084 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9505.21 | N/A | Employed | Employed | No | No | No |  |
| 861600 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 56770 | 7.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23843.98 | Yes | Employed |  | No |  | No |  |
| 861613 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19450 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21321.14 | Yes | Employed |  | No |  | No |  |
| 861617 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11450 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40686.66 | Yes | Employed |  | No |  | No |  |
| 861619 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3555 | 6.673 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 10856.96 | Yes | Employed |  | No |  | No |  |
| 861633 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8495 | 6.691 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 16472.55 | Yes | Employed |  | No |  | No |  |
| 861635 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6235.8 | 7.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3860 | N/A | Employed |  | No |  | No |  |
| 861637 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2450 | 7.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11240.02 | N/A | Employed | Employed | No | No | No |  |
| 861638 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8995 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8300.74 | N/A | Employed |  | No |  | No |  |
| 861640 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15167.55 | 6.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39206.07 | Yes | Employed | Employed | No | No | No |  |
| 861641 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11404.99 | N/A | Employed |  | No |  | Yes | Present |
| 861644 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19206.51 | N/A | Employed |  | No |  | Yes | Present |
| 861645 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4970 | 7.504 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7622.63 | N/A | Employed |  | No |  | No |  |
| 861647 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 11580 | 7.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16419.05 | N/A | Employed |  | No |  | No |  |
| 861669 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18070 | 6.747 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31402.2 | N/A | Employed | Not Employed | No | No | No |  |
| 861671 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28120 | 6.318 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 22951.03 | N/A | Employed |  | No |  | No |  |
| 861674 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861675 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861676 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861677 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7791.25 | 8.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4177.16 | N/A | Employed |  | No |  | No |  |
| 861679 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 7.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22236 | Yes | Employed |  | No |  | No |  |
| 861683 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 861686 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861687 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861690 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861694 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25290 | 6.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27155.8 | N/A | Employed |  | No |  | No |  |
| 861696 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 32980 | 8.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17295.01 | N/A | Employed |  | No |  | No |  |
| 861697 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861700 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8995 | 6.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37347.63 | Yes | Employed |  | No |  | No |  |
| 861706 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 861708 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7554.84 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3947.27 | Yes | Employed |  | No |  | No |  |
| 861711 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 112462.69 | Yes | Employed |  | No |  | Yes | Present |
| 861714 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12980.63 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 99404.6 | N/A | Employed |  | No |  | No |  |
| 861716 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13045 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12082.41 | Yes | Employed |  | No |  | No |  |
| 861717 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 12135 | 7.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15199.17 | N/A | Employed |  | No |  | No |  |
| 861722 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9192.62 | 6.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24033.25 | Yes | Retired | Retired | No | No | No |  |
| 861733 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6160.19 | N/A | Employed | Not Employed | No | No | No |  |
| 861737 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14905.62 | N/A | Not Employed | Employed | No | No | No |  |
| 861742 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8408.33 | 7.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11652.58 | N/A | Employed |  | No |  | No |  |
| 861758 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3364 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35431.4 | Yes | Employed |  | No |  | No |  |
| 861762 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15475 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5910.38 | Yes | Employed |  | No |  | No |  |
| 861763 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12217.5 | 6.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26556.43 | Yes | Employed |  | No |  | No |  |
| 861766 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8140 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16045.03 | Yes | Employed |  | No |  | No |  |
| 861774 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4269.6 | 8.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18796.8 | N/A | Employed |  | No |  | No |  |
| 861801 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 17706.4 | 6.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6860.45 | Yes | Employed |  | No |  | No |  |
| 861802 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11037 | 7.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30834.83 | N/A | Employed |  | No |  | No |  |
| 861806 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11033.75 | 7.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19375.3 | N/A | Employed |  | No |  | No |  |
| 861808 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 6.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24560.12 | N/A | Employed |  | No |  | No |  |
| 861809 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19607.5 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65448 | N/A | Employed |  | No |  | No |  |
| 861823 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8995 | 7.433 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 12536.36 | Yes | Employed |  | No |  | No |  |
| 861824 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20450 | 7.063 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20699.48 | N/A | Employed |  | No |  | No |  |
| 861827 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7750 | 7.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7113.78 | N/A | Employed | Not Employed | No | No | No |  |
| 861968 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2598 | 6.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4731.49 | Yes | Employed |  | No |  | No |  |
| 861972 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2600 | 6.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9526.4 | Yes | Employed |  | No |  | No |  |
| 861975 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9040 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28172.67 | N/A | Employed |  | No |  | No |  |
| 861976 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1450 | 6.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10174.97 | N/A | Employed |  | No |  | No |  |
| 861978 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23893.75 | 6.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19934.34 | Yes | Employed |  | No |  | No |  |
| 861980 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17987.5 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 20115.49 | Yes | Employed |  | No |  | No |  |
| 861981 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2450 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6833.16 | N/A | Employed |  | No |  | No |  |
| 861982 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1250 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15036.69 | N/A | Employed |  | No |  | No |  |
| 861983 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13700 | 7.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18448.48 | Yes | Employed |  | No |  | No |  |
| 861988 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9650 | 6.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7899.03 | N/A | Employed |  | No |  | No |  |
| 861990 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8069.62 | N/A | Employed |  | No |  | Yes | Present |
| 861991 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8170 | 6.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6089.34 | N/A | Employed |  | No |  | No |  |
| 862009 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7599 | 6.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6631.4 | N/A | Employed |  | No |  | No |  |
| 862018 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2741.45 | 6.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14132.17 | Yes | Employed |  | No |  | No |  |
| 862024 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25549.92 | 7.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47154.93 | N/A | Employed |  | No |  | No |  |
| 862027 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5545 | 8.385 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4661.58 | Yes | Employed | Employed | No | No | No |  |
| 862049 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25200 | 6.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17747.54 | N/A | Employed |  | No |  | No |  |
| 862050 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10656.67 | 6.987 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13103.86 | Yes | Employed |  | No |  | No |  |
| 862058 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30735.13 | Yes | Employed |  | No |  | Yes | Present |
| 862059 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12395 | 7.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 87128.09 | N/A | Employed |  | No |  | No |  |
| 862060 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23950 | 6.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56700.48 | Yes | Employed |  | No |  | No |  |
| 862061 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9344 | 6.641 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12357 | N/A | Employed |  | No |  | No |  |
| 862062 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6050 | 7.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8526.53 | N/A | Employed |  | No |  | No |  |
| 862063 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 46450 | 6.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 275951.81 | Yes | Employed |  | No |  | No |  |
| 862066 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6450 | 7.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4830.9 | N/A | Employed |  | No |  | No |  |
| 862067 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3976.25 | 6.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45757.38 | N/A | Employed |  | No |  | No |  |
| 862068 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3244 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17237.25 | N/A | Employed |  | No |  | No |  |
| 862077 | xxxxxx | xxxxxx | 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 | Yes | Yes | 41904.82 | N/A | Employed |  | No |  | Yes | Present |
| 862078 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5328.75 | 7.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4068.92 | N/A | Employed |  | No |  | No |  |
| 862083 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 174454.39 | N/A | Employed |  | No |  | No |  |
| 862085 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18950 | 6.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9962.92 | N/A | Employed |  | No |  | No |  |
| 862091 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16050 | 8.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12297.71 | Yes | Employed |  | No |  | No |  |
| 862093 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15936.63 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12361.28 | N/A | Employed |  | No |  | No |  |
| 862104 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11293 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4493.79 | Yes | Employed | Not Employed | No | No | No |  |
| 862107 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5335.87 | 9.248 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5262.72 | Yes | Employed |  | No |  | No |  |
| 862123 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23433 | N/A | Employed | Not Employed | No | No | No |  |
| 862128 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 23148.18 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8386.36 | Yes | Employed |  | No |  | No |  |
| 862161 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2039.12 | 6.718 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4936.15 | Yes | Employed |  | No |  | No |  |
| 862170 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47039.15 | N/A | Employed |  | No |  | Yes | Present |
| 862171 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 45774.06 | N/A | Employed |  | No |  | Yes | Present |
| 862180 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18619.01 | N/A | Employed |  | No |  | No |  |
| 862185 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 6.648 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24055.17 | Yes | Employed | Employed | No | No | No |  |
| 862202 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 7.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11754.51 | N/A | Employed | Employed | No | No | No |  |
| 862209 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.11 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9980.08 | N/A | Employed |  | No |  | No |  |
| 862213 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7485.41 | Yes | Not Employed |  | No |  | No |  |
| 862226 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 41009.87 | 7.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16594.48 | Yes | Employed |  | No |  | No |  |
| 862245 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14636.26 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18832.65 | N/A | Employed |  | No |  | No |  |
| 862246 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 38675 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28533.99 | Yes | Employed |  | No |  | No |  |
| 862247 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14880 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66689.97 | Yes | Employed |  | No |  | No |  |
| 862248 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3000 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6899.46 | N/A | Employed |  | No |  | No |  |
| 862252 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8800 | 7.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5878.42 | N/A | Employed |  | No |  | No |  |
| 862253 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6631 | 6.705 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5267.86 | N/A | Employed |  | No |  | No |  |
| 862262 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 13280 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 4035.49 | Yes | Employed |  | No |  | No |  |
| 862263 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1275 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14025.99 | N/A | Employed |  | No |  | No |  |
| 862264 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2250 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7513.16 | N/A | Employed |  | No |  | No |  |
| 862266 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10314.07 | 7.144 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 7854.66 | N/A | Employed |  | No |  | No |  |
| 862267 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5717.5 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6407.49 | Yes | Employed |  | No |  | No |  |
| 862268 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1450 | 7.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15399.52 | N/A | Employed |  | No |  | No |  |
| 862269 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9821.26 | 7.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7772.81 | N/A | Employed |  | No |  | No |  |
| 862270 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16410 | 7.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8452.43 | N/A | Employed |  | No |  | No |  |
| 862272 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1250 | 7.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18512.98 | N/A | Employed |  | No |  | No |  |
| 862273 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29475 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 31877.64 | Yes | Employed |  | No |  | No |  |
| 862275 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11575 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9288.97 | Yes | Employed |  | No |  | No |  |
| 862276 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 32085 | 7.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42301.38 | N/A | Employed |  | No |  | No |  |
| 862282 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2555.95 | 6.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14338.5 | Yes | Employed |  | No |  | No |  |
| 862292 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7531.11 | N/A | Employed |  | No |  | Yes | Present |
| 862297 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18225 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15013.56 | Yes | Employed |  | No |  | No |  |
| 862334 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8864.57 | Yes | Employed |  | No |  | No |  |
| 862337 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26935 | 6.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 21914.71 | N/A | Employed |  | No |  | No |  |
| 862338 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9450 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12636.14 | N/A | Not Employed | Employed | No | No | No |  |
| 862339 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20850 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21915.56 | Yes | Employed | Not Employed | No | No | No |  |
| 862340 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7839.5 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23870.95 | N/A | Employed | Not Employed | No | No | No |  |
| 862347 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13112.5 | 6.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36481.63 | Yes | Employed |  | No |  | No |  |
| 862349 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11245 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39238.32 | Yes | Employed |  | No |  | No |  |
| 862499 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35947.56 | N/A | Employed | Not Employed | No | No | No |  |
| 862500 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21155 | N/A | Employed | Employed | No | No | No |  |
| 862509 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32792.17 | N/A | Employed |  | No |  | Yes | Present |
| 862527 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8159 | 7.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4279.7 | Yes | Employed |  | No |  | No |  |
| 862532 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8140 | 6.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7795.68 | N/A | Employed |  | No |  | No |  |
| 862533 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8786.64 | 7.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 736808.69 | Yes | Employed |  | No |  | No |  |
| 862534 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 6.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12130.09 | N/A | Employed |  | No |  | No |  |
| 862538 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25088.26 | Yes | Employed | Not Employed | No | No | No |  |
| 862553 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25200 | 6.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14622.07 | N/A | Employed |  | No |  | No |  |
| 862554 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14137.5 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11067.87 | N/A | Employed |  | No |  | No |  |
| 862555 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2450 | 8.062 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13250.68 | Yes | Employed |  | No |  | No |  |
| 862564 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4041.92 | 7.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5964.92 | N/A | Employed |  | No |  | No |  |
| 862576 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11862.5 | 7.394 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21328.16 | Yes | Employed | Employed | No | No | No |  |
| 862582 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12659.48 | 7.209 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46928.15 | Yes | Employed | Employed | No | No | No |  |
| 862600 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | Yes | 5685 | 9.504 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18646.07 | Yes | Employed | Not Employed | No | No | No |  |
| 862607 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4650 | 8.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9106.43 | Yes | Employed |  | No |  | No |  |
| 862630 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4650 | 6.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6657.3 | N/A | Employed |  | No |  | No |  |
| 862634 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10497.97 | 6.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8858.95 | Yes | Employed |  | No |  | No |  |
| 862637 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24995 | 7.4 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10061.64 | Yes | Employed |  | No |  | No |  |
| 862644 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2597.5 | 8.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44976.97 | Yes | Employed |  | No |  | No |  |
| 862646 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10096.94 | Yes | Employed |  | No |  | No |  |
| 862691 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7564 | 7.36 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13542.25 | N/A | Employed |  | No |  | No |  |
| 862698 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2320 | 7.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22892.03 | N/A | Employed |  | No |  | No |  |
| 862717 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5920 | 7.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10682.38 | N/A | Employed |  | No |  | No |  |
| 862719 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3581 | 8.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28530.8 | Yes | Employed | Employed | No | No | No |  |
| 862723 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5726.25 | Yes | Employed |  | No |  | Yes | Present |
| 862731 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16518.75 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13756.19 | N/A | Employed |  | No |  | No |  |
| 862735 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 4840 | 9.623 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3233.37 | N/A | Employed |  | No |  | No |  |
| 862736 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14285 | 6.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16749.2 | Yes | Employed |  | No |  | No |  |
| 862737 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11075 | 7.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4123.73 | N/A | Employed |  | No |  | No |  |
| 862742 | xxxxxx | xxxxxx | 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 | 27454.57 | Yes | Employed |  | No |  | Yes | Present |
| 862744 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 7572.9 | 8.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2882.9 | Yes | Employed |  | No |  | No |  |
| 862745 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9162.5 | 7.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5493.98 | N/A | Employed |  | No |  | No |  |
| 862750 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8350 | 7.063 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4488.19 | Yes | Employed | Employed | No | No | No |  |
| 862751 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5870 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14960.42 | Yes | Employed |  | No |  | No |  |
| 862757 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11475 | 6.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17848.52 | Yes | Employed |  | No |  | No |  |
| 862761 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11495 | 6.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28267.71 | Yes | Employed |  | No |  | No |  |
| 862764 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 18350 | 7.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 18469.3 | Yes | Employed | Employed | No | No | No |  |
| 862769 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 27767.19 | 8.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 289590.91 | N/A | Employed |  | No |  | No |  |
| 862773 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | Yes | No | No | No | Yes | 41223.32 | 8.178 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 9112.23 | Yes | Employed |  | No |  | No |  |
| 862782 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24229 | 7.473 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30163.45 | Yes | Employed |  | No |  | No |  |
| 862784 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 7172.55 | Yes | Employed |  | No |  | Yes | Present |
| 862788 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 18675 | 6.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6614.81 | Yes | Employed |  | No |  | No |  |
| 862805 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 25385 | 7.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18843.76 | Yes | Employed |  | No |  | No |  |
| 862806 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 6.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45218.65 | Yes | Employed |  | No |  | No |  |
| 862812 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7975 | 7.235 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4398.48 | Yes | Employed |  | No |  | No |  |
| 862813 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25690.63 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25892.62 | Yes | Employed |  | No |  | No |  |
| 862816 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 39999.98 | 6.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 301278.87 | Yes | Employed |  | No |  | No |  |
| 862819 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | Yes | No | No | Yes | No | No | No | No | No | 22115 | 7.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23874.97 | Yes | Employed |  | No |  | No |  |
| 862820 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 31370 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39198 | Yes | Employed | Employed | No | No | No |  |
| 862821 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10736.2 | 6.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5260.22 | Yes | Employed |  | No |  | No |  |
| 862837 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 40274.98 | 6.828 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26217.96 | N/A | Not Employed | Not Employed | No | No | No |  |
| 862839 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11475 | 7.952 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27862.58 | Yes | Employed |  | No |  | No |  |
| 862843 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 37530 | 7.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40234.38 | Yes | Employed |  | No |  | No |  |
| 862844 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12455 | 7.317 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13985.22 | Yes | Employed |  | No |  | No |  |
| 862851 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 6081.88 | 7.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2708.04 | Yes | Employed |  | No |  | No |  |
| 862853 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20131 | 6.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12482.67 | Yes | Employed | Employed | No | No | No |  |
| 862855 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 31475 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41171.22 | Yes | Employed | Not Employed | No | No | No |  |
| 862857 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8975 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24958.82 | Yes | Employed |  | No |  | No |  |
| 862861 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7472 | 6.49 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25490.34 | Yes | Not Employed | Employed | No | No | No |  |
| 862863 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 44995 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20584.03 | Yes | Employed |  | No |  | No |  |
| 862870 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 33760 | 8.322 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20911.11 | Yes | Employed | Employed | No | No | No |  |
| 862872 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 9586.8 | 7.607 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8905.35 | Yes | Employed |  | No |  | No |  |
| 862875 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42969.93 | Yes | Employed |  | No |  | Yes | Present |
| 862878 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11235 | 7.329 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10727.22 | Yes | Employed |  | No |  | No |  |
| 862882 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 40770 | 6.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57513.84 | Yes | Employed |  | No |  | No |  |
| 862883 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 103420.7 | Yes | Employed |  | No |  | Yes | Present |
| 862884 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30505.3 | 6.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73790.16 | Yes | Employed |  | No |  | No |  |
| 862888 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 444690.81 | Yes | Employed |  | No |  | Yes | Present |
| 862890 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13155 | 6.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12894.97 | Yes | Not Employed | Employed | No | No | No |  |
| 862891 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 30234.38 | 7.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19937.83 | Yes | Employed |  | No |  | No |  |
| 862894 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10418.75 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23217.28 | Yes | Employed |  | No |  | No |  |
| 862903 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1995 | 7.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26237.41 | Yes | Employed |  | No | No | No |  |
| 862917 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2715 | 7.005 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7368.71 | Yes | Employed |  | No |  | No |  |
| 862959 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10161.29 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 862982 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4290 | 8.366 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 12156 | Yes | Employed |  | No |  | No |  |
| 862990 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10865 | 6.763 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8161.49 | N/A | Employed |  | No |  | No |  |
| 862995 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.812 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14401.3 | Yes | Retired |  | No |  | No |  |
| 862998 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 4122.16 | 7.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4943.2 | Yes | Retired |  | No |  | No |  |
| 863009 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.61 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 19707.49 | Yes | Employed |  | No |  | No |  |
| 863028 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19800 | 7.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26216.83 | N/A | Employed |  | No |  | No |  |
| 863031 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 8324 | 8.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12506.79 | Yes | Employed |  | No |  | No |  |
| 863039 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6922 | 6.955 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6944.25 | Yes | Employed |  | No |  | No |  |
| 863044 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22746 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19967.71 | N/A | Employed |  | No |  | No |  |
| 863047 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2560 | 6.913 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11670.18 | N/A | Not Employed | Employed | No | No | No |  |
| 863058 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4392.5 | 7.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9444.89 | Yes | Employed | Not Employed | No | No | No |  |
| 863073 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 31395 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 201867.75 | N/A | Employed |  | No |  | No |  |
| 863078 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14332.25 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14078.98 | Yes | Employed |  | No |  | No |  |
| 863086 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6295 | 6.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6204.65 | N/A | Employed |  | No |  | No |  |
| 863090 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22045 | 7.55 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 37213.4 | Yes | Employed | Not Employed | No | No | No |  |
| 863096 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12074.05 | 6.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11804.92 | N/A | Employed | Employed | No | No | No |  |
| 863098 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12662.5 | 9.059 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 10681.44 | N/A | Employed |  | No |  | No |  |
| 863099 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 128162.26 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 863102 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5095 | 7.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 14726.73 | Yes | Employed | Employed | No | No | No |  |
| 863103 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11420 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7346.55 | N/A | Employed | Not Employed | No | No | No |  |
| 863109 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13961.36 | N/A | Employed |  | No |  | Yes | Present |
| 863110 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11901.25 | 6.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7422.75 | N/A | Employed |  | No |  | No |  |
| 863112 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26163.75 | 6.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43150.02 | Yes | Employed |  | No |  | No |  |
| 863115 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4315 | 8.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3693.95 | N/A | Employed |  | No |  | No |  |
| 863116 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 23727.5 | 6.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13841.32 | N/A | Employed |  | No |  | No |  |
| 863120 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8315 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20474.79 | N/A | Employed |  | No |  | No |  |
| 863125 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2343.7 | 6.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 46607.87 | Yes | Employed |  | No |  | No |  |
| 863131 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 11338.19 | N/A | Employed |  | No |  | Yes | Present |
| 863134 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5550 | 7.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17809.26 | N/A | Employed |  | No |  | No |  |
| 863136 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9215 | 7.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6564.74 | N/A | Employed |  | No |  | No |  |
| 863137 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1214.97 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12546.1 | Yes | Employed |  | No |  | No |  |
| 863141 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8338.4 | 7.285 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6970.15 | N/A | Employed |  | No |  | No |  |
| 863142 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 21095 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7836.09 | Yes | Employed |  | No |  | No |  |
| 863177 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26209.26 | N/A | Not Employed | Employed | No | No | No |  |
| 863186 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 6544 | 7.688 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6739.47 | Yes | Employed |  | No |  | No |  |
| 863188 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9430 | 6.876 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6945.82 | N/A | Employed |  | No |  | No |  |
| 863189 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11230 | 6.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11316.69 | Yes | Employed |  | No |  | No |  |
| 863190 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9035 | 6.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8032.65 | Yes | Employed |  | No |  | No |  |
| 863191 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15095 | 6.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 78489.12 | N/A | Employed |  | No |  | No |  |
| 863207 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2465 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7652.71 | Yes | Employed |  | No |  | No |  |
| 863210 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 36419.24 | Yes | Employed |  | No |  | Yes | Present |
| 863211 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1275 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7217.16 | N/A | Employed |  | No |  | No |  |
| 863212 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 13930 | 6.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19924.87 | Yes | Employed |  | No |  | No |  |
| 863215 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 2471.64 | Yes | Employed |  | No |  | Yes | Present |
| 863217 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19731.25 | 6.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7788.08 | Yes | Employed |  | No |  | No |  |
| 863219 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8945 | 7.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5336.61 | N/A | Employed |  | No |  | No |  |
| 863220 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10210 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6930.79 | Yes | Employed |  | No |  | No |  |
| 863222 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1275 | 6.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12372.17 | Yes | Employed |  | No |  | No |  |
| 863225 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 117346.17 | N/A | Employed |  | No |  | Yes | Present |
| 863226 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7516 | 6.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5430.14 | N/A | Employed |  | No |  | No |  |
| 863227 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12410 | 7.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23077.31 | Yes | Employed |  | No |  | No |  |
| 863230 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2450 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9388.6 | N/A | Employed |  | No |  | No |  |
| 863232 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7057.15 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5667.71 | N/A | Employed |  | No |  | No |  |
| 863242 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2065 | 6.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11861.08 | Yes | Employed |  | No |  | No |  |
| 863250 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7226.33 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10815.59 | Yes | Employed |  | No |  | No |  |
| 863252 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7041.25 | 6.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7046.31 | Yes | Employed |  | No |  | No |  |
| 863259 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8567.19 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 16817 | Yes | Employed |  | No |  | No |  |
| 863287 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11895 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43386.61 | Yes | Not Employed | Not Employed | No | No | No |  |
| 863304 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3380 | 6.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5251.49 | N/A | Employed |  | No |  | No |  |
| 863305 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 43718.15 | N/A | Employed |  | No |  | Yes | Present |
| 863318 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21352.52 | N/A | Not Employed | Employed | No | No | No |  |
| 863379 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4830 | 7.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10860.82 | Yes | Employed |  | No |  | No |  |
| 863384 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 863387 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10681 | 8.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13578.32 | Yes | Employed |  | No |  | No |  |
| 863393 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9511 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21194.08 | N/A | Employed |  | No |  | No |  |
| 863427 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 863550 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 4375 | 8.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5582.63 | N/A | Employed |  | No |  | No |  |
| 863552 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3853 | 7.604 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 14129.8 | Yes | Employed |  | No |  | No |  |
| 863565 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 24345 | 7.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12119.68 | N/A | Employed |  | No |  | No |  |
| 863566 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17311 | 7.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11723.89 | Yes | Employed |  | No |  | No |  |
| 863567 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4375 | 7.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5487.88 | N/A | Employed |  | No |  | No |  |
| 863646 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 14121.15 | 8.702 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4957.96 | N/A | Employed | Employed | No | No | No |  |
| 863648 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19169.74 | N/A | Employed |  | No |  | No |  |
| 863671 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8675 | 6.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4505.47 | N/A | Employed |  | No |  | No |  |
| 863678 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 16045 | 7.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15622.42 | Yes | Employed |  | No |  | No |  |
| 863695 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10571.84 | 6.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5281.42 | Yes | Employed |  | No |  | No |  |
| 863721 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3252 | 7.002 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9342.12 | N/A | Not Employed |  | No |  | No |  |
| 863766 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 28690 | 7.355 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 264036.24 | N/A | Employed |  | No |  | No |  |
| 863846 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6296.63 | 9.229 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3151.46 | Yes | Employed |  | No |  | No |  |
| 863887 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 54129.99 | N/A | Employed |  | No |  | Yes | Present |
| 863893 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9859.49 | 7.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10537.85 | Yes | Employed |  | No |  | No |  |
| 863919 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14259 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7207.98 | Yes | Employed |  | No |  | No |  |
| 863987 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 22386.87 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 864033 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 71620.14 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 864053 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16715 | 7.536 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 28769.25 | N/A | Employed |  | No |  | No |  |
| 864140 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21175 | 6.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14746.45 | Yes | Employed | Employed | No | No | No |  |
| 864165 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5595 | 6.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4118 | N/A | Employed |  | No |  | No |  |
| 864178 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5835 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4459.77 | Yes | Employed |  | No |  | No |  |
| 864187 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57480.33 | Yes | Employed |  | No |  | Yes | Present |
| 864188 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7738.46 | Yes | Employed |  | No |  | Yes | Present |
| 864190 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8035 | 6.265 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 4409.37 | N/A | Employed |  | No |  | No |  |
| 864194 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 12885.63 | 7.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 10058.26 | N/A | Employed |  | No |  | No |  |
| 864203 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8591.8 | 7.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4257.55 | Yes | Employed |  | No |  | No |  |
| 864207 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10545 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10303.14 | Yes | Employed |  | No |  | No |  |
| 864211 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 11638.75 | 7.651 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6830.96 | N/A | Employed |  | No |  | No |  |
| 864212 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11110 | 8.108 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 5743.16 | N/A | Employed |  | No |  | No |  |
| 864215 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11139 | 7.213 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 34752.3 | N/A | Employed |  | No |  | No |  |
| 864221 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7570 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15463.08 | Yes | Employed |  | No |  | No |  |
| 864225 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | 14571.69 | N/A | Employed |  | No |  | Yes | Present |
| 864228 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3621.3 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4799.33 | N/A | Employed |  | No |  | No |  |
| 864229 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13720 | 7.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25864.44 | N/A | Employed |  | No |  | No |  |
| 864234 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 20627.5 | 8.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9267.84 | N/A | Employed |  | No |  | No |  |
| 864235 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9952.5 | 6.193 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5541.92 | N/A | Retired |  | No |  | No |  |
| 864248 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 8900 | 8.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 90200.15 | Yes | Employed |  | No |  | No |  |
| 864304 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7252.5 | 7.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5237.18 | Yes | Employed |  | No |  | No |  |
| 864369 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15915 | 7.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40182.7 | Yes | Employed |  | No |  | No |  |
| 864503 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20025 | 7.156 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 11595.94 | N/A | Employed | Not Employed | No | No | No |  |
| 865244 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15325 | 7.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20837.95 | Yes | Not Employed | Employed | No | No | No |  |
| 2000011311 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011321 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011364 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011371 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011396 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011398 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011403 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011409 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011424 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011438 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011452 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011453 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011455 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011458 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011466 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011485 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011487 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011488 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011509 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011523 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011554 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011583 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011586 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011593 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011595 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011602 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011638 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011639 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011640 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011641 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011642 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011643 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011647 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011662 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011663 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011688 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011694 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6239 | 7.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4238.75 | N/A | Employed |  | No |  | No |  |
| 2000011695 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011696 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011697 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011713 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011719 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 12306 | 8.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7884.93 | Yes | Employed |  | No |  | No |  |
| 2000011730 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011731 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011732 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011734 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011735 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011736 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 17910.25 | 7.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12956.28 | Yes | Employed | Not Employed | No | No | No |  |
| 2000011738 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011741 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011763 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13895 | 8.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59683.12 | Yes | Employed |  | No |  | No |  |
| 2000011776 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011779 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3361.5 | 8.546 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 3843.28 | N/A | Employed | Retired | No | No | No |  |
| 2000011791 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011804 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011820 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011824 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011829 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011830 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011834 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011839 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2000011858 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11295 | 7.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6396.45 | Yes | Employed |  | No |  | No |  |
| 2000011866 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8175.76 | 8.26 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 6057.46 | N/A | Employed |  | No |  | No |  |
| 2000011867 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 21256.5 | 8.074 | Yes | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 24003.9 | N/A | Employed |  | No |  | No |  |
| 2000011872 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3249.75 | 8.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5252.97 | N/A | Employed |  | No |  | No |  |
| 2000011886 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011893 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2962.5 | 8.275 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 4851.39 | N/A | Employed |  | No |  | No |  |
| 2000011897 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 7918.98 | Yes | Employed |  | No |  | Yes | Present |
| 2000011899 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011908 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6579 | 8.373 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 12776.35 | Yes | Retired |  | No |  | No |  |
| 2000011915 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10122.56 | 8.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9967.26 | Yes | Employed | Employed | No | No | No |  |
| 2000011926 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4192.05 | 7.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25417.54 | Yes | Employed |  | No |  | No |  |
| 2000011932 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9262.5 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 116439.02 | N/A | Employed |  | No |  | No |  |
| 2000011946 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011953 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 275 | 7.38 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 18374.29 | N/A | Employed | Employed | No | No | No |  |
| 2000011954 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 42200 | 6.925 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 53400.35 | Yes | Employed |  | No |  | No |  |
| 2000011955 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6079 | 7.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17652.81 | Yes | Employed |  | No |  | No |  |
| 2000011969 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4137.64 | 9.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6131.13 | Yes | Employed |  | No |  | No |  |
| 2000011970 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3570.2 | 8.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3181.36 | Yes | Not Employed |  | No |  | No |  |
| 2000011984 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011994 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011995 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13995 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12487.52 | Yes | Employed |  | No |  | No |  |
| 2000012000 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 18990 | 8.127 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 958804.78 | N/A | Employed |  | No |  | No |  |
| 2000012008 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012013 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000012014 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000012015 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11895 | 9.226 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20171.14 | Yes | Employed |  | No |  | No |  |
| 2000012039 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4946.5 | 7.356 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 85260.96 | Yes | Employed |  | No |  | No |  |
| 2000012040 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2325 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7679.66 | Yes | Employed |  | No |  | No |  |
| 2000012043 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012051 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012071 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2664.94 | 7.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9721.48 | Yes | Employed | Employed | No | No | No |  |
| 2000012074 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012083 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012087 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012089 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10222.5 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7392.89 | N/A | Employed |  | No |  | No |  |
| 2000012091 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5657.8 | 7.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2859.52 | N/A | Employed |  | No |  | No |  |
| 2000012099 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 13908.5 | 7.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77615.55 | Yes | Employed |  | No |  | No |  |
| 2000012107 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7550 | 6.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30978.16 | Yes | Employed |  | No |  | No |  |
| 2000012149 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5970 | 8.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10454.02 | N/A | Employed |  | No |  | No |  |
| 2000012182 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012200 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**CLARIFII VALUATION REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 844855 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 846435 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847540 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.48 | 64.48 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 847737 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.33 | 79.82 | xxxxxx | xxxxxx | -.1071 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1071 | xxxxxx | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-02-2025 | Not Eligible |  |  |
| 848732 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.63 | 74.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 850510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850513 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.86 | 64.86 | xxxxxx | xxxxxx | .2541 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | .2541 | 01-07-2026 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0270 | xxxxxx | Moderate | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850630 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.09 | 75 | xxxxxx | xxxxxx | -.0226 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0226 | 96 | 0.04 | xxxxxx | xxxxxx | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851467 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.36 | 69.36 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-12-2025 |
| 851630 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851735 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-08-2025 |
| 851811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851971 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.3380 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.3380 | 11-28-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.3380 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851975 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.53 | 32.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-16-2025 |
| 852185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852237 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852274 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-30-2025 | Eligible | 1.9 | 09-30-2025 |
| 852336 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.17 | 50.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852422 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852509 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 10-29-2025 |
| 852739 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852743 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852893 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852967 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.56 | 49.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 853115 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.64 | 67.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 | Eligible | 1 | 12-01-2025 |
| 853157 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.79 | 59.79 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 10-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-14-2025 |
| 853282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 10-09-2025 |
| 853395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853400 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-10-2025 |
| 853461 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-16-2025 |
| 853505 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.71 | 61.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-01-2025 |
| 853524 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853530 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-08-2025 | Eligible |  |  |
| 853692 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-11-2025 |
| 853704 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0909 | xxxxxx | Moderate | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853719 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.92 | 64.92 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 03-04-2026 |
| 853846 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-06-2025 |
| 853847 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-31-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853850 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-07-2025 | Eligible | 1 | 11-07-2025 |
| 853881 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.35 | 44.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-02-2025 |
| 853996 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854096 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 854129 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 854151 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854308 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 854359 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 05-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.25 | 57.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-29-2025 |
| 854433 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.44 | 69.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-18-2025 | Eligible | 2.5 | 11-18-2025 |
| 854562 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854602 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.66 | 53.66 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854746 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.0299 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0299 | xxxxxx | Moderate | 10-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.71 | 64.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-14-2025 |
| 854905 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.33 | 53.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-17-2025 |
| 854920 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 854967 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-15-2025 | Eligible | 1.8 | 11-15-2025 |
| 854988 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.59 | 43.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-18-2025 | Eligible | 1 | 11-18-2025 |
| 854994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-26-2025 |
| 855027 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.3787 | Appraisal Narrative |  |  |  |  | xxxxxx | xxxxxx | -.3787 | 12-04-2025 | Appraisal Narrative |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855032 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0577 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0577 | 97 | 0.03 | xxxxxx | xxxxxx | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-02-2025 |
| 855082 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 855115 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-12-2025 |
| 855119 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.63 | 52.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-01-2026 | Eligible | 1 | 01-01-2026 |
| 855149 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-08-2025 | Not Eligible | 1 | 12-08-2025 |
| 855184 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 855224 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.18 | 19.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 11-10-2025 |
| 855236 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.88 | 37.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 855242 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40 | 40 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855248 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 | Eligible | 2.5 | 11-26-2025 |
| 855251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0886 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0886 | xxxxxx | 11-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855306 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855319 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.71 | 55.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-02-2025 | Eligible | 1 | 12-02-2025 |
| 855435 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855445 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855447 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855456 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-15-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.54 | 71.54 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855475 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 12-17-2025 | Not Eligible | 2 | 01-28-2026 |
| 855479 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855591 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.47 | 55.47 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-03-2025 |
| 855606 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 | Eligible | 1 | 12-15-2025 |
| 855669 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.51 | 50.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855735 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.29 | 25.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855773 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.53 | 23.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855789 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.97 | 64.97 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855811 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-20-2025 |
| 856091 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 856150 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.75 | 51.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.36 | 62.36 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 856357 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.38 | 53.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 856375 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-18-2025 | Eligible | 1.1 | 12-18-2025 |
| 856400 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.24 | 50.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 856416 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856519 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.59 | 64.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 856531 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856547 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32 | 32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.53 | 73.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 12-10-2025 |
| 856582 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45 | 45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856645 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.23 | 35.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-31-2025 |
| 856656 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59 | 59 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-03-2025 | Eligible |  |  |
| 856657 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.06 | 63.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-12-2025 | Eligible | 1 | 12-12-2025 |
| 856686 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.1 | 66.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-09-2025 |
| 856691 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856704 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.76 | 71.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856712 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45 | 45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856715 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856745 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856755 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856757 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856760 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856779 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856793 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 856805 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.49 | 63.49 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-11-2025 |
| 856864 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.59 | 61.59 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856866 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 856870 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856873 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.17 | 54.17 | xxxxxx | xxxxxx | -.0625 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0625 | xxxxxx | Moderate | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856901 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17 | 17 | xxxxxx | xxxxxx | -.0455 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0455 | xxxxxx | Moderate | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-06-2026 | Eligible |  |  |
| 856929 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856930 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.42 | 67.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856935 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 856972 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.75 | 70.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 12-19-2025 |
| 856992 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857001 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857002 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.84 | 69.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857018 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.34 | 46.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857136 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857142 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-17-2025 |
| 857176 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-23-2025 | Eligible | 1 | 12-23-2025 |
| 857187 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.08 | 47.08 | xxxxxx | xxxxxx | -.0523 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0523 | xxxxxx | Moderate | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-08-2025 |
| 857206 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-15-2025 | Eligible | 1 | 12-15-2025 |
| 857211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 857245 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.42 | 68.42 | xxxxxx | xxxxxx | -.1364 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1364 | xxxxxx | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857258 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857272 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857285 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857314 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.31 | 64.31 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857338 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.5 | 79.26 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-20-2025 |
| 857431 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857440 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-22-2025 |
| 857445 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 857447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-15-2025 | Eligible |  |  |
| 857511 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 | Eligible | 2.9 | 12-30-2025 |
| 857513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-29-2025 | Eligible |  |  |
| 857523 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.5 | 52.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-24-2025 | Eligible | 1 | 12-24-2025 |
| 857542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 857596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.22 | 68.22 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857597 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.13 | 63.13 | xxxxxx | xxxxxx | -.0935 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0935 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857598 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.83 | 64.83 | xxxxxx | 0 | .0000 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | 0 | .0000 | 12-29-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-05-2025 |
| 857716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0245 | 97 | 0.03 | xxxxxx | xxxxxx | 01-06-2026 | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857756 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.81 | 45.81 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 01-22-2026 |
| 857798 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.48 | 74.48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857802 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857803 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857804 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857865 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857894 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-23-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 | Eligible |  |  |
| 857899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-25-2025 |
| 857927 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.96 | 64.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857976 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858020 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.44 | 69.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-21-2026 |
| 858029 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858089 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 | Eligible |  |  |
| 858105 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.52 | 74.4 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 858116 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.9 | 64.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858118 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858119 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858175 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 858345 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858389 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.71 | 52.71 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 | Eligible | 1.5 | 01-20-2026 |
| 858390 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 858510 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858534 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858552 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858597 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-22-2025 | Eligible | 1 | 12-22-2025 |
| 858600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.78 | 48.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858630 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.63 | 74.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-27-2025 |
| 858631 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.6 | 69.6 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-30-2025 |
| 858654 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.17 | 55.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-11-2026 |
| 858699 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | .0013 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0013 | xxxxxx | Moderate | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-08-2026 |
| 858729 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.1 | 64.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858812 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.44 | 79.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-11-2025 |
| 858822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.71 | 77.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 | Eligible | 1 | 09-29-2025 |
| 858823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 11-06-2025 |
| 858847 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.66 | 79.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 858856 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12.92 | 47.58 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-06-2026 |
| 858866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-13-2026 |
| 858868 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.35 | 40.35 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-09-2026 |
| 858877 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.18 | 36.81 | xxxxxx | xxxxxx | -.0510 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0510 | xxxxxx | Moderate | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-04-2026 |
| 858897 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 858902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858907 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.76 | 41.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 858952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859029 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28 | 28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 | Eligible |  |  |
| 859091 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.41 | 68.41 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859097 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-16-2026 | Eligible | 2.5 | 01-16-2026 |
| 859118 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 859127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-03-2026 | Eligible |  |  |
| 859163 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 859166 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.97 | 64.97 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859206 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 12-01-2025 |
| 859221 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-01-2025 |
| 859228 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.07 | 77.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-16-2026 | Eligible | 1 | 02-16-2026 |
| 859263 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.34 | 62.34 | xxxxxx | xxxxxx | .0390 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0390 | 02-09-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859279 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.7 | 48.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 |
| 859453 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.43 | 69.35 | xxxxxx | xxxxxx | .1145 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1145 | 91 | 0.09 | xxxxxx | xxxxxx | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-04-2026 |
| 859610 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0989 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0989 | xxxxxx | Moderate | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-29-2026 |
| 859637 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859641 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.83 | 51.83 | xxxxxx | xxxxxx | -.0889 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0889 | 01-26-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.65 | 52.65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-28-2026 | Eligible | 1.4 | 01-28-2026 |
| 859699 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 |
| 859702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859722 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.03 | 41.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859797 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.76 | 60.76 | xxxxxx | xxxxxx | -.0443 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0443 | xxxxxx | Moderate | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 859804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-18-2026 | Eligible |  |  |
| 859810 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859814 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.36 | 23.36 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859824 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 | Eligible | 1 | 01-23-2026 |
| 859832 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.27 | 49.27 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-29-2026 |
| 859870 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 859871 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 859875 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.67 | 47.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.65 | 59.65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 859878 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-16-2026 |
| 859879 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859880 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-13-2026 |
| 859881 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-08-2026 |
| 859882 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.88 | 72.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-09-2025 |
| 859883 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.1042 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.1042 | 12-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 859887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-26-2026 |
| 859889 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 859891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56 | 56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0625 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0625 | xxxxxx | Moderate | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859941 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859962 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-05-2026 |
| 860004 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860010 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860012 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.69 | 41.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-04-2026 |
| 860038 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 860054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.33 | 73.33 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 860060 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.73 | 58.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 | Eligible |  |  |
| 860088 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.32 | 77.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-13-2026 |
| 860133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-18-2026 |
| 860142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0531 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0531 | xxxxxx | Reasonable | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-04-2026 |
| 860253 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-18-2026 | Not Eligible | 2.4 | 02-18-2026 |
| 860309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-03-2026 | Eligible | 2.3 | 02-03-2026 |
| 860313 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.29 | 69.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 01-27-2026 |
| 860316 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.57 | 28.57 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860330 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 860353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.84 | 69.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860360 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.1 | 70.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-16-2026 | Not Eligible | 1 | 02-16-2026 |
| 860370 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 860377 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.82 | 67.2 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 860395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 860405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 860409 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 860421 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860423 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860427 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.48 | 64.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860486 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.17 | 57.17 | xxxxxx | xxxxxx | -.0649 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0649 | 02-15-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-18-2026 |
| 860497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 02-24-2026 |
| 860499 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.24 | 61.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 860543 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-20-2026 |
| 860571 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.71 | 15.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 860574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-13-2026 | Eligible | 1 | 02-13-2026 |
| 860586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-19-2026 |
| 860590 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 860591 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860594 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 860636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 | Eligible | 1 | 02-20-2026 |
| 860652 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-24-2026 | Not Eligible | 1.3 | 02-24-2026 |
| 860655 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-29-2026 |
| 860656 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-15-2026 |
| 860657 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 01-14-2026 |
| 860658 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-14-2026 |
| 860659 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 02-02-2026 |
| 860662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 860664 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 860667 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 860673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-27-2026 |
| 860674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-23-2026 |
| 860678 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 12-09-2025 |
| 860679 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.96 | 48.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 01-12-2026 |
| 860684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-22-2026 |
| 860686 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-29-2026 |
| 860699 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 860700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.46 | 78.46 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-14-2026 |
| 860706 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.76 | 62.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-20-2026 |
| 860708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 860710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 860711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.5 | 77.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860738 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.84 | 68.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860748 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 | Eligible |  |  |
| 860754 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.2 | 74.2 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860756 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0769 | xxxxxx | Moderate | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 860790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 84.21 | 84.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 860792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-19-2026 | Eligible | 1.9 | 02-19-2026 |
| 860805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-16-2026 | Not Eligible | 1.9 | 02-16-2026 |
| 860816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 860818 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 01-29-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 | Eligible |  |  |
| 860827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860832 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-28-2025 |
| 860833 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.89 | 74.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-03-2026 |
| 860840 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63 | 63 | xxxxxx | xxxxxx | -.0980 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0980 | xxxxxx | Moderate | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 860845 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 860868 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-13-2026 |
| 860888 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-26-2026 | Eligible | 1 | 02-26-2026 |
| 860896 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-28-2026 |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-20-2026 | Eligible | 1 | 01-20-2026 |
| 860899 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860900 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.39 | 48.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 860903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-29-2026 | Eligible | 1.1 | 01-29-2026 |
| 860907 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.2 | 67.2 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 02-06-2026 |
| 860911 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.5 | 42.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 | Eligible |  |  |
| 860913 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52 | 52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 | Eligible | 1 | 01-30-2026 |
| 860925 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.71 | 78.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-25-2026 |
| 860957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 860964 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-18-2026 |
| 861000 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 | Eligible | 1.8 | 02-10-2026 |
| 861004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-19-2026 |
| 861013 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-05-2026 | Eligible |  |  |
| 861070 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.91 | 69.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861073 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861099 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861104 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.37 | 72.37 | xxxxxx | xxxxxx | -.0087 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0087 | 10-22-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 | Eligible | 3.1 | 11-20-2025 |
| 861106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 861109 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.37 | 63.37 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 861173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 861185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 | Eligible | 1 | 02-23-2026 |
| 861186 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.56 | 11.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861191 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 861192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0761 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0761 | 96 | 0.04 | xxxxxx | xxxxxx | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-22-2026 |
| 861195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-25-2026 |
| 861198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0135 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0135 | 03-03-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 | Eligible |  |  |
| 861211 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.13 | 74.94 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 861221 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2026 |
| 861231 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.79 | 65.79 | xxxxxx | xxxxxx | .0263 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0263 | 02-24-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 861242 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20 | 73.46 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-09-2026 |
| 861244 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.67 | 54.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 861250 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.15 | 74.15 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-11-2026 |
| 861259 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.51 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 | Eligible |  |  |
| 861261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 861292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-06-2026 | Eligible | 1 | 02-06-2026 |
| 861322 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.64 | 25.64 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 02-06-2026 |
| 861326 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.07 | 71.07 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-16-2026 | Eligible |  |  |
| 861329 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48 | 48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-09-2026 |
| 861336 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861337 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 | Eligible | 1 | 02-25-2026 |
| 861341 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.3 | 78.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861381 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-23-2026 |
| 861384 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-10-2028 | Eligible | 1 | 02-10-2026 |
| 861388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-18-2026 | Eligible |  |  |
| 861389 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-10-2026 | Eligible | 1.3 | 02-10-2026 |
| 861403 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5.99 | 47.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861422 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861428 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2026 |
| 861430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 02-11-2026 |
| 861432 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.01 | 51.01 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-09-2026 |
| 861433 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59 | 59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 861434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 861445 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.72 | 73.72 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861459 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.47 | 67.47 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 861482 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-27-2026 |
| 861488 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0141 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0141 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861493 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.45 | 76.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861497 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.73 | 66.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 | Eligible | 1.3 | 03-09-2026 |
| 861503 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.71 | 35.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-14-2025 |
| 861506 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.75 | 43.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 861533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861541 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-02-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.72 | 72.72 | xxxxxx | 0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | 0 | .0000 | 03-30-2026 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861555 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11 | 64.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-18-2026 |
| 861559 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.93 | 58.52 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-19-2026 |
| 861600 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861613 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-21-2026 |
| 861617 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.26 | 59.26 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 |
| 861619 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.67 | 73.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-02-2026 |
| 861633 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861637 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.91 | 77.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 | Eligible | 1 | 01-26-2026 |
| 861638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861640 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.42 | 77.32 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 861641 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 |
| 861645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-29-2026 |
| 861671 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 01-02-2026 |
| 861674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 861675 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 861676 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-30-2026 |
| 861677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-04-2026 |
| 861679 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.64 | 79.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-31-2025 |
| 861683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-08-2026 |
| 861686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.51 | 68.51 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 861687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.71 | 69.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 861690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 861694 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.16 | 69.16 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 12-29-2025 | Not Eligible | 1 | 12-29-2025 |
| 861696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861697 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.34 | 56.34 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 861700 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.69 | 56.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 861706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-03-2026 |
| 861708 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.28 | 51.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-07-2026 |
| 861711 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.81 | 77.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-21-2026 |
| 861714 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.85 | 77.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-04-2026 |
| 861716 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-25-2026 |
| 861733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-06-2026 | Eligible |  |  |
| 861737 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-27-2026 | Eligible | 1.7 | 02-27-2026 |
| 861742 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861758 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.91 | 65.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 861762 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-11-2026 |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-03-2026 | Eligible | 1.3 | 02-03-2026 |
| 861763 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861766 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-02-2026 |
| 861774 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-08-2025 | Not Eligible | 2.1 | 10-08-2025 |
| 861801 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.36 | 56.36 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-06-2026 |
| 861802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861806 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861808 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.46 | 63.46 | xxxxxx | xxxxxx | -.0250 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0250 | 02-25-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0482 | xxxxxx | Moderate | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861809 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 02-21-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861823 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48 | 48 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 861824 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 861968 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2026 | Eligible | 1.3 | 03-20-2026 |
| 861972 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.78 | 67.78 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-10-2026 | Eligible | 1.1 | 03-10-2026 |
| 861975 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 861976 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.79 | 69.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-19-2026 | Eligible | 1.5 | 03-19-2026 |
| 861978 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-19-2026 | Eligible | 1 | 02-19-2026 |
| 861980 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-25-2026 |
| 861981 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.81 | 67.81 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-24-2026 | Not Eligible |  |  |
| 861982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 02-14-2026 |
| 861983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 861990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-19-2026 | Eligible | 1.9 | 02-19-2026 |
| 861991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 | Eligible | 1 | 03-17-2026 |
| 862009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 862018 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-09-2026 |
| 862024 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-17-2026 |
| 862027 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.95 | 54.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-11-2026 | Eligible | 1 | 02-11-2026 |
| 862049 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 | Eligible |  |  |
| 862050 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-04-2026 | Eligible | 1 | 03-04-2026 |
| 862058 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.94 | 62.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 862059 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 | Eligible | 1.2 | 02-24-2026 |
| 862060 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-06-2026 |
| 862061 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-05-2026 | Eligible | 1 | 03-05-2026 |
| 862062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 862063 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 | Eligible | 2.3 | 03-05-2026 |
| 862066 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-20-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-13-2026 | Eligible | 1 | 03-13-2026 |
| 862067 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-27-2026 | Eligible | 2.1 | 02-27-2026 |
| 862068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862077 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862078 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862083 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862085 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28 | 28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-23-2026 | Eligible | 1 | 02-23-2026 |
| 862091 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 | Eligible |  |  |
| 862093 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2026 | Eligible |  |  |
| 862104 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.9 | 78.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-06-2026 | Eligible | 1.5 | 03-06-2026 |
| 862107 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.54 | 79.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 862123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 02-27-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 862128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 862161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-18-2026 |
| 862170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862180 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-03-2026 | Eligible |  |  |
| 862185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-30-2026 | Not Eligible | 1.5 | 03-30-2026 |
| 862202 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.15 | 71.15 | xxxxxx | xxxxxx | -.0656 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1167 | 95 | 0.05 | xxxxxx | xxxxxx | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0656 | xxxxxx | 04-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-10-2026 | Eligible |  |  |
| 862213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 862226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862245 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-05-2026 | Eligible | 1 | 03-05-2026 |
| 862246 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.68 | 67.68 | xxxxxx | xxxxxx | -.0682 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0682 | xxxxxx | Moderate | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-26-2026 | Eligible | 1.1 | 02-26-2026 |
| 862248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.57 | 56.57 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 862252 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-02-2026 | Eligible |  |  |
| 862253 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 862262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-04-2026 |
| 862263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-03-2026 |
| 862264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-12-2026 | Eligible |  |  |
| 862266 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 862267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 862268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 862269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 862270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 862272 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-16-2026 |
| 862273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 862275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76 | 76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 862276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-23-2026 | Not Eligible |  |  |
| 862282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862292 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-10-2026 | Eligible | 1 | 03-10-2026 |
| 862297 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 862334 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.59 | 78.59 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-13-2026 | Eligible |  |  |
| 862337 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.25 | 36.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-09-2026 |
| 862338 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.79 | 54.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 | Eligible | 1 | 03-03-2026 |
| 862339 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.08 | 76.08 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-16-2026 |
| 862340 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 | Eligible | 1.5 | 03-04-2026 |
| 862347 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-03-2026 |
| 862349 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-10-2026 | Eligible | 1.6 | 03-10-2026 |
| 862499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-21-2026 | Eligible | 1.6 | 03-21-2026 |
| 862500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 | Eligible |  |  |
| 862509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 862527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 862534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-30-2026 |
| 862538 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 10-15-2025 | Eligible | 1 | 10-15-2025 |
| 862553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 | Eligible | 1 | 03-06-2026 |
| 862554 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 862555 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.18 | 69.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 862564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-09-2026 | Eligible | 1 | 03-09-2026 |
| 862576 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-19-2026 |
| 862582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-26-2026 |
| 862600 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862607 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.35 | 63.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 862630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 | Not Eligible |  |  |
| 862634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 | Eligible | 2.1 | 03-30-2026 |
| 862637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862644 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.62 | 69.88 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-02-2026 |
| 862646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-19-2026 | Eligible |  |  |
| 862698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 | Eligible |  |  |
| 862717 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.39 | 68.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 | Eligible |  |  |
| 862719 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.85 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2026 |
| 862723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-23-2026 |
| 862731 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.1 | 69.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862735 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.62 | 64.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-16-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 01-23-2026 | Eligible | 1 | 01-23-2026 |
| 862736 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.05 | 77.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-20-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 | Eligible | 1 | 10-28-2025 |
| 862737 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-30-2026 | Eligible | 1 | 01-30-2026 |
| 862742 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.43 | 78.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862744 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-22-2026 | Eligible | 1 | 02-22-2026 |
| 862745 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-13-2025 | Eligible |  |  |
| 862750 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.38 | 52.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-13-2026 | Eligible | 1 | 02-13-2026 |
| 862751 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.13 | 17.13 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 | Eligible | 1 | 02-10-2026 |
| 862757 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.01 | 58.01 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 862761 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.29 | 46.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 02-18-2026 |
| 862764 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.57 | 66.57 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-05-2026 | Eligible | 3.4 | 03-05-2026 |
| 862769 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-13-2026 |
| 862773 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 862782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-27-2026 | Eligible | 1 | 01-27-2026 |
| 862784 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 | Eligible | 2.4 | 02-02-2026 |
| 862788 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.87 | 74.87 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-19-2026 | Eligible |  |  |
| 862805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 862806 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.15 | 46.15 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 862812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 | Eligible |  |  |
| 862813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-02-2026 |
| 862816 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | xxxxxx | -.0206 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0206 | 92 | 0.08 | xxxxxx | xxxxxx | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 02-11-2026 |
| 862819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 | Eligible | 1 | 02-06-2026 |
| 862820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-09-2026 | Eligible | 1.4 | 02-09-2026 |
| 862821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.81 | 69.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 862837 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.62 | 47.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 02-11-2026 |
| 862839 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-13-2026 | Eligible | 1 | 02-13-2026 |
| 862843 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-13-2026 |
| 862844 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.69 | 74.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-20-2026 | Not Eligible | 1.5 | 02-20-2026 |
| 862851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-19-2026 |
| 862853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-01-2026 | Eligible | 1.2 | 03-01-2026 |
| 862855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-13-2026 |
| 862857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-19-2026 |
| 862861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0011 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0011 | 97 | 0.03 | xxxxxx | xxxxxx | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-02-2026 |
| 862863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 02-19-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 862870 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-19-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2026 | Eligible | 2.4 | 02-17-2026 |
| 862872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 862875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 | Eligible | 1 | 03-03-2026 |
| 862878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-21-2026 | Eligible | 1 | 02-21-2026 |
| 862882 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.16 | 44.16 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 02-26-2026 | Not Eligible | 1.7 | 02-26-2026 |
| 862883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 | Eligible | 1 | 02-23-2026 |
| 862884 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.13 | 79.13 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 | Eligible | 1 | 03-05-2026 |
| 862888 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.88 | 69.88 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-28-2026 | Eligible | 2.9 | 02-28-2026 |
| 862890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 862891 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-06-2026 |
| 862894 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 | Eligible | 1 | 02-27-2026 |
| 862903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-02-2026 | Eligible | 2.9 | 03-02-2026 |
| 862917 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 862959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2026 | Eligible |  |  |
| 862982 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.04 | 69.81 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862990 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-25-2026 |
| 862995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-25-2026 | Eligible | 2 | 03-25-2026 |
| 863009 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-24-2026 |
| 863028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-17-2026 | Eligible | 1 | 03-17-2026 |
| 863031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-18-2026 | Eligible |  |  |
| 863039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 863047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 863058 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.64 | 33.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-25-2026 |
| 863073 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863078 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.17 | 48.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2026 |
| 863086 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.96 | 67.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-05-2026 |
| 863090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 |
| 863096 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.18 | 76.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 863098 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 863099 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-11-2026 |
| 863102 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863103 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.11 | 61.11 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 863109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863110 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 863112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.58 | 73.58 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 02-20-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-03-2026 |
| 863116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 |
| 863125 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.66 | 67.66 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-23-2026 |
| 863131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-06-2026 | Eligible |  |  |
| 863134 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-18-2026 | Eligible |  |  |
| 863136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 | Eligible |  |  |
| 863137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-24-2026 |
| 863141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863142 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 | Eligible | 1 | 03-10-2026 |
| 863177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 03-25-2026 |
| 863186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863189 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.14 | 69.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863191 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863207 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-12-2026 |
| 863210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863211 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 863212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 863215 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.68 | 31.68 | xxxxxx | xxxxxx | -.0442 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0442 | xxxxxx | Moderate | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-23-2026 | Eligible |  |  |
| 863217 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 03-16-2026 |
| 863219 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 | Eligible | 1 | 03-13-2026 |
| 863220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-09-2026 | Eligible | 1 | 03-09-2026 |
| 863222 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 863225 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.44 | 63.44 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-26-2026 |
| 863226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 | Eligible | 1 | 03-10-2026 |
| 863227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 | Eligible | 1 | 03-09-2026 |
| 863230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 863232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-10-2026 |
| 863242 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 863250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-30-2026 | Eligible | 1 | 03-30-2026 |
| 863252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-12-2026 | Eligible | 1 | 03-12-2026 |
| 863259 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 863287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 |
| 863304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1753 | xxxxxx | High | 02-20-2026 |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 01-07-2026 |  |  |  |  |  |  |  |  |  |  | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863318 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.3 | 47.3 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-25-2026 | Not Eligible | 2.4 | 03-25-2026 |
| 863379 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 863384 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 863387 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-16-2026 |
| 863393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-19-2026 | Eligible | 1 | 03-19-2026 |
| 863427 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863550 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 | Eligible | 1.1 | 03-13-2026 |
| 863566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-23-2026 | Eligible | 1 | 03-23-2026 |
| 863567 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.46 | 58.46 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 863648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 863671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-13-2026 | Eligible |  |  |
| 863678 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 863695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-24-2026 | Eligible |  |  |
| 863721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-30-2026 | Eligible |  |  |
| 863766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.62 | 51.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863846 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 | Eligible | 2.2 | 02-05-2026 |
| 863887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-14-2026 | Eligible | 1 | 03-14-2026 |
| 863893 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-23-2026 | Eligible |  |  |
| 863919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | xxxxxx | .0172 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0172 | 03-24-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  | Not Eligible | 2.5 | 04-03-2026 |
| 863987 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864033 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 | Eligible | 1 | 03-24-2026 |
| 864053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.38 | 59.38 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 | Eligible |  |  |
| 864140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 864178 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.23 | 66.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-23-2026 |
| 864187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 864188 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-24-2026 |
| 864190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 864194 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864203 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68 | 68 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 864207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 864211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 864212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-05-2026 |
| 864215 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-19-2026 | Eligible | 1.5 | 02-20-2026 |
| 864221 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-01-2026 |
| 864225 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 864228 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.39 | 73.39 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 864229 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 864234 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-13-2026 |
| 864235 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.62 | 65.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 864248 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864304 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-30-2026 |
| 864369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 | Eligible | 2 | 03-25-2026 |
| 864503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011311 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 2000011321 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 2000011364 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.49 | 69.49 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 2000011371 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.48 | 61.48 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 2000011396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011398 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.8 | 74.8 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 2000011403 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-03-2025 |
| 2000011409 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.18 | 49.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 2000011424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.7 | 69.7 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 2000011438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 2000011452 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 08-25-2025 |
| 2000011453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 2000011455 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-31-2025 |
| 2000011458 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-31-2025 |
| 2000011466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.15 | 63.15 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-26-2025 |
| 2000011485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 2000011487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 09-18-2025 |
| 2000011488 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 2000011509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 2000011523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.02 | 49.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 10-21-2025 |
| 2000011554 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 2000011583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 2000011586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 2000011593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-17-2025 |
| 2000011595 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 2000011602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 2000011638 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011639 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 2000011640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | xxxxxx | -.0245 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0245 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-06-2025 |
| 2000011642 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 2000011643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 2000011662 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-14-2025 |
| 2000011663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 2000011688 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63 | 63 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 2000011694 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-27-2026 | Eligible |  |  |
| 2000011695 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68 | 68 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 2000011697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-01-2025 |
| 2000011713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 2000011719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.91 | 79.91 | xxxxxx | xxxxxx | .0066 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0066 | 12-08-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-03-2025 |
| 2000011730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-17-2025 |
| 2000011731 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-04-2025 |
| 2000011732 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.59 | 45.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 | Eligible | 1 | 12-12-2025 |
| 2000011734 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 | Eligible | 1 | 12-10-2025 |
| 2000011735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 | Eligible | 1 | 12-03-2025 |
| 2000011736 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 |
| 2000011738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 2000011741 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 12-02-2025 |
| 2000011763 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.61 | 62.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 2000011776 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-25-2025 | Eligible | 1 | 12-03-2025 |
| 2000011779 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.66 | 52.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-21-2026 |
| 2000011791 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.46 | 62.46 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011804 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.69 | 59.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011820 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 2000011821 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 2000011824 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 2000011829 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.81 | 59.81 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-20-2025 |
| 2000011830 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 2000011834 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-03-2025 |
| 2000011839 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-16-2026 |
| 2000011858 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.12 | 60.12 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 2000011866 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.67 | 39.16 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-02-2026 |
| 2000011867 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.76 | 50.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 | Eligible | 1 | 02-09-2026 |
| 2000011872 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.16 | 56.36 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 02-09-2026 |
| 2000011886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 2000011893 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 9.93 | 46.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 2000011897 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-10-2026 |
| 2000011899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 2000011908 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.71 | 74.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-16-2026 | Eligible | 1 | 02-16-2026 |
| 2000011915 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.31 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 |
| 2000011926 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.86 | 46.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 2000011932 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.29 | 79.29 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 | Eligible | 1.7 | 02-10-2026 |
| 2000011946 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 2000011953 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.67 | 65.48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011954 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.04 | 63.04 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-17-2026 |
| 2000011955 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.61 | 61.66 | xxxxxx | xxxxxx | -.0957 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0957 | xxxxxx | Moderate | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 02-23-2026 |
| 2000011969 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.81 | 79.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 2000011970 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.11 | 52.01 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-11-2026 |
| 2000011984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.56 | 57.56 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011994 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-05-2026 |
| 2000011995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 2000012000 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.71 | 56.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 2000012008 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 2000012013 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-11-2026 |
| 2000012014 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-04-2026 |
| 2000012015 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.68 | 72.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-01-2026 |
| 2000012039 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.35 | 19.35 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2026 |
| 2000012040 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.99 | 22.99 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-06-2026 | Eligible | 2.4 | 03-06-2026 |
| 2000012043 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 2000012051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 2000012071 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 2000012074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.5 | 69.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 2000012083 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.34 | 73.34 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-02-2026 |
| 2000012087 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 2000012089 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.51 | 65.51 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 2000012091 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.29 | 64.29 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-20-2026 |
| 2000012099 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.02 | 78.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 2000012107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012149 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.22 | 38.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.38 | 46.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 2000012200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**CLARIFII TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Issue Check Result** | **Address Variation** | **Applicant Not in Title** | **No Open Mortgage** | **Delinquent OR Unpaid Taxes** | **Other Lien Amount Before Subject** | **Federal Tax Lien** | **State Tax Lien** | **Subject Mortgage Found** | **Subject in 1st Position** | **Subject Mortgage Foreclosed** | **Break in Assignment Chain** | **Assigned to Counterparty** | **Property in Super Lien State?** | **Subject Mortgage Last Assignment Addl Info** | **Subject Mortgage Amount** | **Subject Mortgage Lien Position** | **Modification Amount** | **Modification Date** | **Subject Mortgage Modification Purpose** | **Senior Mortgages Count** | **Total Senior Mortgage Amount** | **Junior Mortgages Count** | **Total Junior Mortgage Amount** | **State Tax Lien Amount Before Subject** | **State Tax Lien Amount After Subject** | **Federal Tax Lien Amount Before Subject** | **Federal Tax Lien Amount After Subject** | **HOA Lien Amount Before Subject** | **HOA Lien Amount After Subject** | **Municipal Lien Amount Before Subject** | **Municipal Lien Amount After Subject** | **Other Lien Amount Before Subject** | **Other Lien Amount After Subject** | **Total Lien Amount Before Subject** | **Total Lien Amount After Subject (includes Delinquent Tax)** | **Total Lien Amount (includes Delinquent Tax)** | **Current Tax Amount** | **Delinquent Tax Amount** | **Total Tax Amount** | **Additional Info** |
| 862202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $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 | $0.00 | xxxxxx | "Property Type: Single Family Residential" |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 862202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**clarifii multi property Valuation** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| 855147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 855147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | xxxxxx | xxxxxx | -.0789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0789 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | xxxxxx | xxxxxx | -.0789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0789 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855792 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**SELENE DILIGENCE LLC ("SELENE") DUE <br> DILIGENCE REVIEW NARRATIVE REPORT**![](tm2615156d1_ex99-22img001.jpg)

**Selene Diligence LLC ("Selene") Due<br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between November 7, 2025 through May 18, 2026 via files imaged and provided for review (the "Review"), in connection with the Verus 2026-5 securitization.

&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 84 residential and 42 business purpose loans for a total of 126 loans (the "Final Securitization Population").

*<u>Credit Reviews (126):</u>*

During the Review, Selene performed a credit review on 126 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (126)</u>*

During the Review, Selene performed a compliance review, as applicable, on 126 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (126):</u>*

During the Review, Selene performed a property valuation review on 126 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (126):</u>*

During the Review, Selene performed a Data Integrity Review on 126 mortgage loans in the Final Securitization Population.

*VERUS 2026-5 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 126 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population\* | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |

---

\*as applicable

&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, Moodys Corporation, ("Moodys") and DBRS, Inc. ("DBRS") (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>LOAN GRADING</u>**

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

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**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, C, and D, attached hereto).

![](image_011.gif)

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Assessed
 whether the characteristics of the mortgage loans and the borrowers conformed to the guidelines
 cited above;

· 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;
 and

· Confirmed
 that credit scores (FICO) and credit histories were within the guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents and, as applicable, validation that the loans comply with state or federal compliance rules, such as the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

![](image_014.gif)

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;· **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Value Supported Analysis** 

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

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![](image_016.gif)

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape data received from lender/client is stored in
 a secured FTP folder;

· 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.

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines <br> - Confirmed documentation requirements have been met

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

Please reference **Appendix D**, attached hereto, for additional information.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 126 mortgage loans, (ii) a Compliance Review, as applicable, on 126 mortgage loans (iii) a Valuation Review on 126 mortgage loans, and (iv) a Data Integrity Review on 126 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 reviewing the 126 mortgage loans, 98 mortgage loans had a rating grade of A and 28 mortgage loans had a rating grade of B.

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***Grades per loan (126 overall loans):***

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;31.74% | &nbsp;&nbsp;40 | &nbsp;&nbsp;31.74% | &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;98 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.97% | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.97% | &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;28 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;26 | &nbsp;&nbsp;20.63% | &nbsp;&nbsp;26 | &nbsp;&nbsp;20.63% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;55 | &nbsp;&nbsp;43.65% | &nbsp;&nbsp;55 | &nbsp;&nbsp;43.65% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;122 | &nbsp;&nbsp;96.83% | &nbsp;&nbsp;122 | &nbsp;&nbsp;96.83% | &nbsp;&nbsp;A | &nbsp;&nbsp;103 | &nbsp;&nbsp;81.75% | &nbsp;&nbsp;103 | &nbsp;&nbsp;81.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.17% | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.17% | &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;18.25% | &nbsp;&nbsp;23 | &nbsp;&nbsp;18.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;125 | &nbsp;&nbsp;99.21% | &nbsp;&nbsp;125 | &nbsp;&nbsp;99.21% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.79% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

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Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction.

All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. ATR/QM Report

9. Multi-Property Valuation

10. Multi-Property Data

11. Third Party (TPR) Attestation Form

12. Attestation Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed
 borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled
 out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are
 disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history
 documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments
 for use in the debt to income and/or residual income calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud
 alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission
 which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax,
 Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

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**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;

2. Reviewed for any social security number variations for the borrowers and confirm
 that the variations have been addressed in the loan file;

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

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**APPENDIX B: COMPLIANCE **REVIEW** SCOPE**

Selene reviewed the applicable residential loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on
 the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify
 the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

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

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

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

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

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending
 Regulation License Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 4100/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License
 -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
 Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated
 Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
 Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer
 credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License-
 Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649
 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License
 - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage
 Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and
 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan
 – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

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&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions &
 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration
 – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter
 108, Laws of 2008 – Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker
 License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage
 loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions,
 High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original
 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) -
 MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions
 - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated
 under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions &
 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene
 does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson
 Reuters CLEAR) and applicable Sec. of State evidence of good standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable
 tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease
 to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental
 payment, commencement and expiration dates, and term and remaining term are in compliance
 with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration
 consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct
 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm
 it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum
 per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject
 to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments
 for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the
 appraiser's cash flow assumptions, rent comparables, cap rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of
 lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
 period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 taxes, insurance and HOA are populated at loan level and within range at portfolio level
 per the guidelines

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm
 property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property
 Management Agreement / Tri Party Agreement if no property manager

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## Exhibit 99.23

**EXHIBIT 99.23**

**selene rating agency grades detail report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 850708 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-12 11:21 | 2025-11-21 10:43 | Resolved | 1 - Information C A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-Resolved. Borrowing Certificate received - Due Diligence Vendor-11/21/2025 <br> Counter-Counter, per guidelines for a single member LLC, a Single Member Limited Liability Company Borrowing Certificate is required. Closing instructions also state this must be signed. Closing Business Entity Vesting Single Member LLC Company Borrowing Certificate: Must be signed and notarized at closing. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. EIN shows single member entity, so no operating agreement. Articles don't state the type of business, but there's a signed affidavit in file. - Seller-11/13/2025 <br> Counter-Counter- Missing Operating Agreement or Certificate of Authorization. Nothing states that the LLC is formed for investment or real estate.<br> Per guidelines: Entity documents authorizing the guarantor to execute loan documents on behalf of the entity (e.g., Operating Agreement, Certificate of Authorization)<br> o If not available for a single member LLC, a Single Member Limited Liability Company Borrowing Certificate is required - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Missing Single Member LLC Company Borrowing Certificate - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. EIN shows single member entity, so no operating agreement. Articles don't state the type of business, but there's a signed affidavit in file. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 | Resolved-Resolved. Borrowing Certificate received - Due Diligence Vendor-11/21/2025 |  |  | Articles of Organization.pdf<br> xxxxxx EIN Letter.pdf<br> xxxxxx EIN Letter.pdf<br> xxxxxx form.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850708 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-11 21:45 | 2025-11-13 04:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Guidelines do not allow entity to sign note Note and DOT signed as entity. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/13/2025 | Personal guaranty.<br> Guideline requirements DSCR 1.0, Qualifying 1.156<br> Guideline requirements months reserves 2, Qualifying 10<br>| Personal guaranty.<br> Guideline requirements DSCR 1.0, Qualifying 1.156<br> Guideline requirements months reserves 2, Qualifying 10<br>| xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852099 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852100 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852191 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 10:17 | 2026-01-07 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease agreements, finding resolved. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Open-1.Missing lease agreement for xxxxxx.<br> 2. Missing lease agreement for xxxxxx.<br> 3. Missing lease agreement for xxxxxx. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received lease agreements, finding resolved. - Due Diligence Vendor-01/07/2026 |  |  | RENTAL AGREEMENTS _ LEASES-215.pdf<br> RENTAL AGREEMENTS _ LEASES-216.pdf<br> RENTAL AGREEMENTS _ LEASES-214.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852191 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-02 09:57 | 2026-01-07 08:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for missing 2 months rental history for current primary residence. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Lease started on xxxxxx for the new primary residence, missing verification of rent for new primary residence. - Due Diligence Vendor-01/02/2026 |  | Waived-Exception made for missing 2 months rental history for current primary residence. - Due Diligence Vendor-01/07/2026 | Credit Score is 801. Minimum required per guidelines is 700.<br> DSCR is 1.7. Minimum required per guidelines is 1. | Credit Score is 801. Minimum required per guidelines is 700.<br> DSCR is 1.7. Minimum required per guidelines is 1. | Excepiton xxxxxx 351.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852238 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-04 08:11 | 2025-11-13 09:36 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The documentation received was sufficient to resolve the finding. Evidence of experience of operating investment property. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-The guidelines require the Borrower to have a history of owning and managing commercial or residential real estate for at least 1 of the last 3 years for a 2-8 mixed use property. The appraisal narrative indicated the property is a mixed use property with less than 25% of commercial space. However, the loan file does not contain evidence of the Borrower having a history of owning and managing investment properties. A first time investor is not permitted for 2-8 mixed use property. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-The documentation received was sufficient to resolve the finding. Evidence of experience of operating investment property. - Due Diligence Vendor-11/13/2025 |  |  | xxxxxx_REO.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852238 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-04 08:06 | 2025-11-13 09:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The documentation received was sufficient to resolve the finding. Updated 1003 - Due Diligence Vendor-11/13/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-The loan file contains an incomplete final application. All sections are missing information for a complete application. Further, the application was not signed by the Borrower. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-The documentation received was sufficient to resolve the finding. Updated 1003 - Due Diligence Vendor-11/13/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2025 |  |  | Loan Application xxxxxx 1 (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852238 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-04 04:02 | 2025-11-13 09:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-The documentation received was sufficient to resolve the finding. Rate lock - Due Diligence Vendor-11/13/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Evidence of Rate Lock Missing xxxxxx Loan approval form is missing in file. Hence can't able to update the lock date. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-The documentation received was sufficient to resolve the finding. Rate lock - Due Diligence Vendor-11/13/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-11/13/2025 |  |  | 4600-4602 xxxxxx Lock Confirmation (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852418 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-06 02:43 | 2026-05-04 09:33 | Waived | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Waived-The guidelines don't stipulate the requirement, this is why the downgrade from C to B is feasible per internal counsel. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-DSCR - NA - Seller-02/09/2026 <br> Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal consent missing from the file. - Due Diligence Vendor-02/06/2026 | Ready for Review-DSCR - NA - Seller-02/09/2026 | Waived-The guidelines don't stipulate the requirement, this is why the downgrade from C to B is feasible per internal counsel. - Due Diligence Vendor-05/04/2026 | LTV is 65%. Maximum allowed per guidelines is 70%.<br> Credit Score is 789. Minimum required per guidelines is 760. | LTV is 65%. Maximum allowed per guidelines is 70%.<br> Credit Score is 789. Minimum required per guidelines is 760. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852418 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-06 08:21 | 2026-02-20 10:37 | Waived | 2 - Non-Material C B | Credit | Doc Issue | Missing asset documentation (ATR) | Waived-Exception made for asset seasoning being 30 days. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Counter-The assets used for reserves are missing 60 day seasoning, even if we leave out the large deposits we will still need additional seasoning - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Acct was just used to source a large deposit- not used for assets. - Seller-02/13/2026 <br> Counter-Received statement of source, missing 60 day seasoning of funds from the source. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter-Missing clarification on the large deposit made into the account when it was opened, missing source. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/09/2026 <br> Open-Missing 60 day seasoning for asset documentation. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Ready for Review-Acct was just used to source a large deposit- not used for assets. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 | Waived-Exception made for asset seasoning being 30 days. - Due Diligence Vendor-02/20/2026 | LTV is 65%. Maximum allowed per guidelines is 70%.<br> Credit Score is 789. Minimum required per guidelines is 760. | LTV is 65%. Maximum allowed per guidelines is 70%.<br> Credit Score is 789. Minimum required per guidelines is 760. | AUDIT CONDITIONS-536.pdf<br> AUDIT CONDITIONS-535.pdf<br> AUDIT CONDITIONS-534.pdf<br> AUDIT CONDITIONS-533.pdf<br> AUDIT CONDITIONS-532.pdf<br> BANK STATEMENTS - ASSETS-503.pdf<br> Exception xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852418 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-06 09:09 | 2026-02-10 09:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/09/2026 <br> Open-Missing Final Settlement statement from the file. - Due Diligence Vendor-02/06/2026 |  | Resolved-Received final settlement statement. - Due Diligence Vendor-02/10/2026 |  |  | AUDIT CONDITIONS-531.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852418 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-06 01:49 | 2026-02-10 00:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-1st page of Note document is missing in file, Provided updated Note with all pages, changes made in system, Finding Resolved - Due Diligence Vendor-02/10/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Open-The Note is Incomplete Note page one is missing from provided Note document. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026 | Resolved-1st page of Note document is missing in file, Provided updated Note with all pages, changes made in system, Finding Resolved - Due Diligence Vendor-02/10/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-02/10/2026 |  |  | Note xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852745 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852814 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-04 08:09 | 2025-12-09 05:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved. Business Purpose Affidavit signed by the borrower at application received. - Due Diligence Vendor-12/09/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Per GL, Business Purpose Affidavit signed by the borrower at application is required. Provide BPA signed at application.<br> - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 | Resolved-Resolved. Business Purpose Affidavit signed by the borrower at application received. - Due Diligence Vendor-12/09/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-12/09/2025 |  |  | xxxxxx BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852814 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-04 07:57 | 2025-12-09 05:24 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Resolved. Final CD dated xxxxxx for cash-out proceeds received. - Due Diligence Vendor-12/05/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Provide Final CD dated xxxxxx for Primary Residence with Cash-out proceeds iao $153,911.11 - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 | Resolved-Resolved. Final CD dated xxxxxx for cash-out proceeds received. - Due Diligence Vendor-12/05/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/05/2025 |  |  | CD from Cash out refinance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852814 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-03 22:14 | 2025-12-09 01:22 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested updated HOI policy with updated effective date that is within the note date provided, updated & condition resolved. - Due Diligence Vendor-12/09/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide HOI Policy with an effective date on or prior to Closing Date xxxxxx - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 | Resolved-Requested updated HOI policy with updated effective date that is within the note date provided, updated & condition resolved. - Due Diligence Vendor-12/09/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/09/2025 |  |  | xxxxxx HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852814 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-04 01:51 | 2025-12-08 06:31 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Resolved. Updated CD with correct PPP received. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Corrected CD attached. - Seller-12/05/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty amount on Note page reflects maximum amount of $15,045; however, Final CD reflects maximum PPP iao $9,403 - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Corrected CD attached. - Seller-12/05/2025 | Resolved-Resolved. Updated CD with correct PPP received. - Due Diligence Vendor-12/08/2025 |  |  | Corrected CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852814 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-03 21:45 | 2025-12-05 04:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/05/2025 | Reserves- Loan File 10.31 months, GL Requirement 2 months<br> Credit Score- Loan File 778. GL Requirement Min 700<br> Personal Guaranty with Full Recourse | Reserves- Loan File 10.31 months, GL Requirement 2 months<br> Credit Score- Loan File 778. GL Requirement Min 700<br> Personal Guaranty with Full Recourse | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 852841 | xxxxxx | C A | Closed | xxxxxx | 2025-11-12 02:10 | 2025-11-17 03:15 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/14/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 10.17.2025 page # 27 a clear fraud report is required. The fraud report in file (page # 212) is showing uncleared alert, provide updated fraud report<br> - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/14/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/17/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852900 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 05:24 | 2026-05-04 13:48 | Waived | 2 - Non-Material B | Credit | Credit | Credit history insufficient/does not meet guidelines (ATR) | Waived-Exception page 327<br> Exception Reason: OTHER- Exception to accept 12 months of borrower's bank statements to document the subject property's payment history without an accompanying VOM. The prior mortgage is in the name of borrower's deceased grandparents and lienholder will not release information. Bank statements support monthly payments being made.<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-11/20/2025 |  | Waived-Exception page 327<br> Exception Reason: OTHER- Exception to accept 12 months of borrower's bank statements to document the subject property's payment history without an accompanying VOM. The prior mortgage is in the name of borrower's deceased grandparents and lienholder will not release information. Bank statements support monthly payments being made.<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-11/20/2025 | DSCR- Loan File 1.29, GL Requirement 1.0<br> LTV - Loan File 50.63%, GL Requirement Max 65%<br> Credit Score- Loan File 761, GL Requirement Min 700<br> Reserves- Loan File 17.81 months, GL Requirement 2 months | DSCR- Loan File 1.29, GL Requirement 1.0<br> LTV - Loan File 50.63%, GL Requirement Max 65%<br> Credit Score- Loan File 761, GL Requirement Min 700<br> Reserves- Loan File 17.81 months, GL Requirement 2 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 853986 | xxxxxx | B A | Closed | xxxxxx | 2025-12-07 23:37 | 2025-12-11 07:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception page 354<br> Housing History - Loan File Borrower living rent free with family, GL Requirement Borrower living rent free considered with evidence of continued occupancy.<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/08/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception page 354<br> Housing History - Loan File Borrower living rent free with family, GL Requirement Borrower living rent free considered with evidence of continued occupancy.<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/08/2025 | Credit Score - Loan File 797, GL Requirement Min 700<br> Reserves - Loan File 10.42, GL Requirement 2 months<br> Borrower Contribution - Loan File 25%, GL Requirement 10% of sales price<br> Investor Experience - Loan File 2 additional REO | Credit Score - Loan File 797, GL Requirement Min 700<br> Reserves - Loan File 10.42, GL Requirement 2 months<br> Borrower Contribution - Loan File 25%, GL Requirement 10% of sales price<br> Investor Experience - Loan File 2 additional REO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854092 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854179 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854553 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854655 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854657 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-04 00:47 | 2026-02-10 04:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Counter-Nothing was attached. Provide Exception - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/10/2026 | Personal Guaranty with Full Recourse. <br> LTV - Loan File 37.62%, GL Requirement Max 75%<br> DSCR Loan File 2.315, GL Requirement Min 1.0 | Personal Guaranty with Full Recourse. <br> LTV - Loan File 37.62%, GL Requirement Max 75%<br> DSCR Loan File 2.315, GL Requirement Min 1.0 | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 854789 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 04:02 | 2025-12-10 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document with payoff details provided. Updated & resolved. - Due Diligence Vendor-12/10/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Final HUD1 - Seller-12/09/2025 <br> Open-Final HUD-1 Document is Missing. Provide the executed final settlement statement as this is listed as a R/T refinance. The statement in file shows borrower receiving xxxxxx at closing and lien not being paid off. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Final HUD1 - Seller-12/09/2025 | Resolved-Final HUD-1 Document with payoff details provided. Updated & resolved. - Due Diligence Vendor-12/10/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/10/2025 |  |  | Certified xxxxxx Statement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854789 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 11:18 | 2025-12-10 07:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/10/2025 <br> Resolved-Recorded DOT - page 18 included in the provided DOT. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Recorded DOT - page 18 included - Seller-12/09/2025 <br> Open-The Deed of Trust is Missing Last page of the DOT page #18 of 18 is missing. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Recorded DOT - page 18 included - Seller-12/09/2025 | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/10/2025 <br>Resolved-Recorded DOT - page 18 included in the provided DOT. - Due Diligence Vendor-12/10/2025<br>|  |  | Recorded SD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855098 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 04:53 | 2026-01-07 15:43 | Waived | 2 - Non-Material B | Credit | Credit | FICO score does not meet guidelines | Waived-Exception page 257<br> OTHER - Exception for an escrow waiver with a 719 qual score as opposed to 720.<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/02/2025 |  | Waived-Exception page 257<br> OTHER - Exception for an escrow waiver with a 719 qual score as opposed to 720.<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/02/2025 | Housing History - Loan File 0X30X12 months, GL Requirement 1X30X12 months<br> Consumer Payment History- Loan file 0x30x12, GL Requirement No minimum<br> Tradelines- Loan File 20 years extensive history, GL Requirement No Minimum<br> investor Experience- Loan File Experienced Investor<br> LTV- Loan File 63.81%, GL Requirement Max 75% | Housing History - Loan File 0X30X12 months, GL Requirement 1X30X12 months<br> Consumer Payment History- Loan file 0x30x12, GL Requirement No minimum<br> Tradelines- Loan File 20 years extensive history, GL Requirement No Minimum<br> investor Experience- Loan File Experienced Investor<br> LTV- Loan File 63.81%, GL Requirement Max 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855098 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-01 22:43 | 2025-12-08 06:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow entity to sign note - Due Diligence Vendor-12/05/2025 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/04/2025 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-12/08/2025 | LTV- Loan File 63.81%, GL Requirement Max 75%<br> Housing History - Loan File 0X30X12 months, GL Requirement 1X30X12 months<br> Consumer Payment History- Loan file 0x30x12, GL Requirement No minimum<br> Tradelines- Loan File 20 years extensive history, GL Requirement No Minimum<br> investor Experience- Loan File Experienced Investor, GL Requirement not required<br> Personal Guaranty with Full Recourse | LTV- Loan File 63.81%, GL Requirement Max 75%<br> Housing History - Loan File 0X30X12 months, GL Requirement 1X30X12 months<br> Consumer Payment History- Loan file 0x30x12, GL Requirement No minimum<br> Tradelines- Loan File 20 years extensive history, GL Requirement No Minimum<br> investor Experience- Loan File Experienced Investor, GL Requirement not required<br> Personal Guaranty with Full Recourse | Exception xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 855230 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-08 05:04 | 2026-05-04 09:42 | Waived | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Waived-Guidelines do not require spousal consent. Waived to xxxxxx non-material. - Due Diligence Vendor-05/04/2026 <br> Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Spouse Consents document is missing. Provide Spouse Consent document. - Due Diligence Vendor-12/08/2025 |  | Waived-Guidelines do not require spousal consent. Waived to xxxxxx non-material. - Due Diligence Vendor-05/04/2026 | Audit FICO of 669 exceeds minimum of 640 by 29 points<br> Audited reserves of 100.53 months exceed the minimum of 6 months required | Audit FICO of 669 exceeds minimum of 640 by 29 points<br> Audited reserves of 100.53 months exceed the minimum of 6 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 855230 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-08 11:21 | 2025-12-11 02:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report has Uncleared Alerts, provided Updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-12/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-12/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09-5-25 page # 26 a clear fraud report is required. The Fraud report in file (page #229 is showing high 1 uncleared alert. The required cleared Fraud report is missing. <br> - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-12/10/2025 | Resolved-Fraud Report has Uncleared Alerts, provided Updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-12/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/11/2025 | Audit FICO of 669 exceeds minimum of 640 by 29 points<br> Audited reserves of 100.53 months exceed the minimum of 6 months required | Audit FICO of 669 exceeds minimum of 640 by 29 points<br> Audited reserves of 100.53 months exceed the minimum of 6 months required | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856225 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856283 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-14 04:21 | 2025-12-23 04:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-UW Exception for Borrower signing for LLC missing. - Due Diligence Vendor-12/18/2025 <br>Open-Guidelines do not allow entity to sign note UW Exception for Borrower signing for LLC missing. - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-12/23/2025 | 732 Qualifying score > 700 minimum required<br> Personal Guaranty with full recourse executed by borrower present in file | 732 Qualifying score > 700 minimum required<br> Personal Guaranty with full recourse executed by borrower present in file | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 856601 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-24 08:29 | 2025-12-29 14:10 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-12/24/2025 <br>Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-12/24/2025 |  | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-12/29/2025 |  |  | vesting.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856601 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-24 08:15 | 2025-12-29 06:56 | Waived | 2 - Non-Material C B | Property | Property | Ineligible Property | Waived- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-12/24/2025 <br> Open-per Matrix eligible property types: SFR, PUD, TIC, Condo (Max 75% LTV), 2-4 Unit (Max 75% LTV) and Non-Warrantable Condo (Max 75% LTV)<br> this property is a xxxxxx (xxxxxx units) - Due Diligence Vendor-12/24/2025 |  | Waived with compensating factors | 59,683.82 reserves exceed the minimum required of $19,936.89 exceeds the minimum by (5.98) months over the required minimum.<br> 75% LTV is below the maximum 80% LTV by 5%.<br> DSCR ratio of 1.24 exceeds the minimum requirement of 0.85 by 0.39 points. | 59,683.82 reserves exceed the minimum required of $19,936.89 exceeds the minimum by (5.98) months over the required minimum.<br> 75% LTV is below the maximum 80% LTV by 5%.<br> DSCR ratio of 1.24 exceeds the minimum requirement of 0.85 by 0.39 points. | xxxxxx Exception xxxxxx Units.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 856653 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-19 21:49 | 2026-01-22 06:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/21/2026 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. Additional compensating factors required. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/22/2026 | Personal Guaranty with Full Recourse <br> Borrower has owned Primary Residence > 7 years | Personal Guaranty with Full Recourse <br> Borrower has owned Primary Residence > 7 years | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856813 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-07 16:33 | 2026-02-23 08:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Loan has not met 6 month seasoning since the last transactions - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Exception approval attached - Buyer-02/20/2026 <br> Counter-Appraisal notes the subject had a non arms length sale on xxxxxx for xxxxxx according to Bk.5732/Pg.892. File does not contain purchase settlement statement, source of funds or documented cost of improvements.<br> - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Delayed financing - allowed c/o on prop purchased by the borrower w/ cash and owned less than 6 months is allowed - Buyer-02/11/2026 <br> Open-Loan does not conform to program guidelines Loan has not met 6 month seasoning since the last transactions. - Due Diligence Vendor-01/07/2026 |  | Waived-Loan does not conform to program guidelines Loan has not met 6 month seasoning since the last transactions - Due Diligence Vendor-02/23/2026 | 70% LTV is below the maximum 75% LTV by 5%.<br> 793 Representative credit score exceeds the minimum required of 660 by 133 points.<br> $22,240 reserves exceed the minimum required of $4,566 exceeds the minimum by 5 months over the required minimum. Borrower assets. | 70% LTV is below the maximum 75% LTV by 5%.<br> 793 Representative credit score exceeds the minimum required of 660 by 133 points.<br> $22,240 reserves exceed the minimum required of $4,566 exceeds the minimum by 5 months over the required minimum. Borrower assets. | Exception approval xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 856813 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-08 08:17 | 2026-02-11 10:34 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is missing | Resolved-Good standing document received. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/11/2026 <br>Open-Good standing absent from the file. - Due Diligence Vendor-01/08/2026 |  | Resolved-Good standing document received. - Due Diligence Vendor-02/11/2026 |  |  | LLC DOCS FOR VESTING-266.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857068 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-14 21:46 | 2026-01-21 06:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Exception provided is valid, comp factors verified & updated, Recommends waiving. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-01/21/2026 | 721 Representative credit score exceeds the minimum required of 700 by 21 points<br> $18,704 reserves exceed the minimum required of $5,138 exceeds the minimum by 5 months over the required minimum.<br> Personal Guaranty with Full Recourse | 721 Representative credit score exceeds the minimum required of 700 by 21 points<br> $18,704 reserves exceed the minimum required of $5,138 exceeds the minimum by 5 months over the required minimum.<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857075 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857076 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857080 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857306 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857565 | xxxxxx | C A | Closed | xxxxxx | 2026-02-03 13:17 | 2026-02-17 10:34 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached policy with the correct address. - Seller-02/13/2026 <br> Open-Per the declaration page on page 409 reflects xxxxxx vs the note xxxxxx - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached policy with the correct address. - Seller-02/13/2026 | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-02/17/2026 |  |  | xxxxxx LOE.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857674 | xxxxxx | D A | Closed | xxxxxx | 2026-04-11 07:53 | 2026-04-13 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Country of Origin received. Borrower is from xxxxxx. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-1003 nor the borrower's ID reflects the country of origin that the borrower is FROM. Provide supporting documentation as to what country of origin the borrower is "FROM" as per OFAC requirements. - Due Diligence Vendor-04/11/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Borrower's Country of Origin received. Borrower is from xxxxxx. - Due Diligence Vendor-04/13/2026 |  |  | xxxxxx origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857674 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 03:10 | 2026-04-13 12:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan's (8.165%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 377-378 and the Final Closing disclosure on Pg#'s 166-200 reflects escrows. Rate lock date was entered correctly – see Pg#'s 438 An interior and exterior appraisal was completed for this property – see pg 31-54 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 523 and copy of the appraisal was given to the borrower – see Pg#'s 179 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/11/2026 <br> Open- - Due Diligence Vendor-04/10/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan's (8.165%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 377-378 and the Final Closing disclosure on Pg#'s 166-200 reflects escrows. Rate lock date was entered correctly – see Pg#'s 438 An interior and exterior appraisal was completed for this property – see pg 31-54 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 523 and copy of the appraisal was given to the borrower – see Pg#'s 179 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/10/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857674 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 03:10 | 2026-04-13 12:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.165%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 377-378 and the Final Closing disclosure on Pg#'s 166-200 reflects escrows. Rate lock date was entered correctly – see Pg#'s 438 An interior and exterior appraisal was completed for this property – see pg 31-54 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 523 and copy of the appraisal was given to the borrower – see Pg#'s 179 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/11/2026 <br> Open- - Due Diligence Vendor-04/10/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.165%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 377-378 and the Final Closing disclosure on Pg#'s 166-200 reflects escrows. Rate lock date was entered correctly – see Pg#'s 438 An interior and exterior appraisal was completed for this property – see pg 31-54 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 523 and copy of the appraisal was given to the borrower – see Pg#'s 179 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/10/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857683 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 13:39 | 2026-03-13 05:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-1008, 1003, and income calculator provided, resolved. - Due Diligence Vendor-03/13/2026 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Using 2/25 through 1/26. - Seller-03/12/2026 <br> Counter-Provided income calculator same as the one in file. Missing 11/2024 business bank statement, countered. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Counter-Income calculator provided is for xxxxxx ending in 9878 and the income bank statements in file are for xxxxxx ending in 7915, countered. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-Borrower 1 Business Bank Statements Missing Missing bank statement dated 11/2024 or a new income calculator using the 12/26 account statement. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Using 2/25 through 1/26. - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-1008, 1003, and income calculator provided, resolved. - Due Diligence Vendor-03/13/2026 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 |  |  | xxxxxx-bank-income-sheet (1).pdf<br> xxxxxx-bank-income-sheet (1).pdf<br> xxxxxx 1008.pdf<br> xxxxxx BS Calc.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857683 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 13:09 | 2026-03-10 06:59 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-03/10/2026 <br>Resolved-GAP credit report provided, resolved. - Due Diligence Vendor-03/09/2026 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/09/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing Gap Report. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-GAP credit report provided, resolved. - Due Diligence Vendor-03/09/2026 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857683 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 13:46 | 2026-03-09 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosures and COC's provided, resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-TRID: Missing Closing Disclosure Missing CD (Closing Disclosures) dated xxxxxx, and xxxxxx with corresponding COC (Change of Circumstance) if applicable. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-Closing disclosures and COC's provided, resolved. - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857683 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 04:11 | 2026-03-09 11:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Closing disclosures with change of circumstance provided, resolved. - Due Diligence Vendor-03/09/2026 <br> Resolved- - Due Diligence Vendor-03/09/2026 <br> Ready for Review-See CD condition upload. - Seller-03/09/2026 <br> Open-Missing COC (Change of Circumstance) for Broker fee changing from $12,524 to $12,578.50 for a difference of $54.50 and Points-Loan discount fee being added in the amount of $2,858.75. - Due Diligence Vendor-03/06/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, 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)). - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 | Ready for Review-See CD condition upload. - Seller-03/09/2026 | Resolved-Closing disclosures with change of circumstance provided, resolved. - Due Diligence Vendor-03/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857683 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 04:11 | 2026-03-09 11:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/09/2026 <br>Open- - Due Diligence Vendor-03/09/2026 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 337 and the Final Closing disclosure on page 215 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 451 and copy of the appraisal was given to the borrower – see page 188. The loan meets HPML guidelines. - Due Diligence Vendor-03/06/2026 <br>Resolved-The loan's (8.087%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/06/2026 <br>Open- - Due Diligence Vendor-03/06/2026 <br>Open- - Due Diligence Vendor-03/06/2026 <br>Open- - Due Diligence Vendor-03/06/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/09/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 337 and the Final Closing disclosure on page 215 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 451 and copy of the appraisal was given to the borrower – see page 188. The loan meets HPML guidelines. - Due Diligence Vendor-03/06/2026 <br> Resolved-The loan's (8.087%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/06/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857683 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 04:11 | 2026-03-09 11:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 337 and the Final Closing disclosure on page 215 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 451 and copy of the appraisal was given to the borrower – see page 188. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/06/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.087%) equals or exceeds the xxxxxx HPML threshold of (7.6%). 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 (6.1%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/09/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 337 and the Final Closing disclosure on page 215 reflects escrows. Rate lock date was entered correctly – see page 365. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see page 451 and copy of the appraisal was given to the borrower – see page 188. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/06/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.087%) equals or exceeds the xxxxxx HPML threshold of (7.6%). 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 (6.1%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/06/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858117 | xxxxxx | B A | Closed | xxxxxx | 2026-02-20 07:28 | 2026-03-09 08:16 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Received post disaster cert with no damage shown to the property. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/06/2026 <br> Open-Property potentially affected by FEMA Disaster ID xxxxxx - Declared xxxxxx with an Incident End Date of xxxxxx with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - Due Diligence Vendor-02/20/2026 |  | Resolved-Received post disaster cert with no damage shown to the property. - Due Diligence Vendor-03/09/2026 |  |  | 1014_xxxxxx_37212_xxxxxx_1305.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858117 | xxxxxx | B A | Closed | xxxxxx | 2026-02-20 08:03 | 2026-02-20 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible | Waived-Exception made for 6.2% reserve funding for xxxxxx instead of the 8% required. - Due Diligence Vendor-02/20/2026 |  | Waived-Exception made for 6.2% reserve funding for xxxxxx instead of the 8% required. - Due Diligence Vendor-02/20/2026 | LTV is 60%. Maximum allowed per guidelines is 75%.<br> Credit Score is 812. Minimum required per guidelines is 700.<br> Borrower(s) have 27.34 months Reserves. Minimum required per guidelines is 3 months. | LTV is 60%. Maximum allowed per guidelines is 75%.<br> Credit Score is 812. Minimum required per guidelines is 700.<br> Borrower(s) have 27.34 months Reserves. Minimum required per guidelines is 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 858117 | xxxxxx | B A | Closed | xxxxxx | 2026-02-17 23:40 | 2026-02-20 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception made for investor concentration being above 60%. - Due Diligence Vendor-02/18/2026 |  | Waived-Loan does not conform to program guidelines Exception made for investor concentration being above 60%. - Due Diligence Vendor-02/18/2026 | LTV is 60%. Maximum allowed per guidelines is 75%.<br> Credit Score is 812. Minimum required per guidelines is 700.<br> Borrower(s) have 27.34 months Reserves. Minimum required per guidelines is 3 months. | LTV is 60%. Maximum allowed per guidelines is 75%.<br> Credit Score is 812. Minimum required per guidelines is 700.<br> Borrower(s) have 27.34 months Reserves. Minimum required per guidelines is 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 858574 | xxxxxx | C A | Closed | xxxxxx | 2026-02-13 03:27 | 2026-02-17 03:07 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEAd is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-02/13/2026 <br>Open-Initial Escrow Acct Disclosure missing from file. - Due Diligence Vendor-02/13/2026 |  | Resolved-IEAd is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 |  |  | escrow disclosure.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858791 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859064 | xxxxxx | D A | Closed | xxxxxx | 2026-02-15 08:58 | 2026-02-24 00:30 | 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-02/24/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/24/2026 <br>Open-Missing Third Party Fraud Report Third party fraud report is missing in file. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 |  |  | DRIVEReport W.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859088 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859473 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 06:16 | 2026-03-05 22:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. Rent Loss shows but they do not state an amount - Buyer-03/05/2026 <br>Open-Missing Hazard Insurance Policy Rent Loss Insurance missing from provided Hazard insurance policy. - Due Diligence Vendor-02/20/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/06/2026 |  |  | xxxxxx - HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859653 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 07:19 | 2026-04-29 08:30 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-04/29/2026 <br>Open- - Due Diligence Vendor-04/29/2026 <br>Resolved-Re-ran xxxxxx - Due Diligence Vendor-03/06/2026 <br>Open- - Due Diligence Vendor-03/06/2026 <br>Resolved-Re-ran xxxxxx- resolved - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _Findings___ and the Final Closing disclosure on Pg#'s 116____ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _28___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_111__ , and copy of the appraisal was given to the borrower – see Pg#'s __6___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/05/2026 <br>Open-The loan's (7.705%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-04/29/2026 <br> Resolved-Re-ran xxxxxx - Due Diligence Vendor-03/06/2026 <br> Resolved-Re-ran xxxxxx- resolved - Due Diligence Vendor-03/05/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _Findings___ and the Final Closing disclosure on Pg#'s 116____ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Findings___ An interior and exterior appraisal was completed for this property – see pg _28___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_111__ , and copy of the appraisal was given to the borrower – see Pg#'s __6___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 00:08 | 2026-03-06 00:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Open-Provide Settlement Service Provider List, Missing in File - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 | Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/06/2026 |  |  | Service Provider List.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:56 | 2026-03-05 07:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Initial Loan estimate is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved<br> Initial CD received, condition resolved 3/5/26, 9:22 AM (EDT) |  |  | LOAN_ESTIMATE__xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:56 | 2026-03-05 07:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-TRID: Missing Closing Disclosure Initial Closing disclosure is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved<br> Initial Loan Estimate received, condition resolved. 3/5/26, 9:22 AM (EDT) |  |  | Initial cd xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:59 | 2026-03-05 07:22 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed disclosure is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved<br> Intent to proceed received, condition resolved. 3/5/26, 9:22 AM (EDT) |  |  | Notice of Intent to Proceed with Loan Application.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:44 | 2026-03-05 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Evidence of Rate Lock Missing Rate Lock Document is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/05/2026 |  |  | Lock Confirmations xxxxxx.pdf<br> Lock Confirmations xxxxxx.pdf<br> Lock Confirmations xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:59 | 2026-03-05 07:17 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/05/2026 <br>Ready for Review- - Due Diligence Vendor-03/05/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Homeownership counseling disclosure is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/05/2026 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/05/2026 |  |  | 1103 (2022) - Supplemental Consumer Information Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 11:00 | 2026-03-05 02:24 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Initial escrow account disclosure is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Initial Escrow Acct Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 |  |  | IEAD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:58 | 2026-03-05 00:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to Cancel uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-Right of Rescission is Missing Right to Cancel is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Right to Cancel uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 |  |  | NRTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859657 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 10:26 | 2026-03-04 23:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-The Final 1003 is Missing Final 1003 is missing in file. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Final 1003 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2026 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 |  |  | Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860052 | xxxxxx | C A | Closed | xxxxxx | 2026-03-03 08:57 | 2026-03-13 07:44 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). 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) "Right to Cancel Expire Date" xxxxxx & disbursement date xxxxxx This Requires PCCD. - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 | Resolved-Resolved - Due Diligence Vendor-03/13/2026 |  |  | Final CD xxxxxx.pdf<br> FINAL SS xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860052 | xxxxxx | C A | Closed | xxxxxx | 2026-03-03 06:38 | 2026-03-12 03:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated title coverage amount that covers loan amount provided, updated & condition resolved.<br> - Due Diligence Vendor-03/12/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/11/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage Amount Is xxxxxx is Less than Loan Amount xxxxxx - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026 | Resolved-Requested updated title document with updated title coverage amount that covers loan amount provided, updated & condition resolved.<br> - Due Diligence Vendor-03/12/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/12/2026 |  |  | Refinance Commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860167 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 03:33 | 2026-03-05 05:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 469 and the Final Closing disclosure on page 265 reflects escrows. Rate lock date was entered correctly – see page 498. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see page 551 and copy of the appraisal was given to the borrower – see page 310. The loan meets HPML guidelines. - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open-The loan's (7.692%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860167 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 06:57 | 2026-03-05 05:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated xxxxxx received - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC's - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Initial CD dated xxxxxx received - Due Diligence Vendor-03/05/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860167 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 03:33 | 2026-03-05 05:35 | Resolved | 1 - Information C A | Compliance | xxxxxx | Fees: Limited | Resolved- - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Open-No Data Point for "Title - Foreclosure Prevention Fee" which is reflecting in Final CD. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (xxxxxx 61.24; xxxxxx 31.04.015(24)) - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860167 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 00:02 | 2026-03-05 02:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than Required coverage, Updated Title provided, changes made in system, Finding Resolved - Due Diligence Vendor-03/05/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage amount on Title Commitment. Provide Title Commitment with minimum title coverage iao xxxxxx. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Title coverage is less than Required coverage, Updated Title provided, changes made in system, Finding Resolved - Due Diligence Vendor-03/05/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/05/2026 |  |  | Title supplement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860168 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 04:12 | 2026-03-03 04:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-PUD Rider and updated Appraisal received. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Counter-PUD Rider received; however, Appraisal does not reflect PUD. Provide clarification and/or updated DOT with PUD Rider "removed" or an updated Appraisal with PUD details. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. - Seller-02/24/2026 <br>Open-Deed Of Trust, reflects PUD Rider; however, Appraisal does not reflect PUD. Provide clarification and/or updated DOT with PUD Rider removed or an updated Appraisal with PUD details. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-PUD Rider and updated Appraisal received. - Due Diligence Vendor-03/03/2026 |  |  | PUD Rider.pdf<br> xxxxxx updated appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860168 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 00:03 | 2026-02-24 11:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.401%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 434 and the Final Closing disclosure on page 538 reflects escrows. Rate lock date was entered correctly – see page 465. An interior and exterior appraisal was completed for this property – see page 38, the appraisal disclosure was provided to the borrower(s)- see page 507 and copy of the appraisal was given to the borrower – see page 533, 535. The loan meets HPML guidelines. - Due Diligence Vendor-02/19/2026 <br>Open- - Due Diligence Vendor-02/24/2026 <br>Open- - Due Diligence Vendor-02/19/2026 <br>Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-The loan's (8.401%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 434 and the Final Closing disclosure on page 538 reflects escrows. Rate lock date was entered correctly – see page 465. An interior and exterior appraisal was completed for this property – see page 38, the appraisal disclosure was provided to the borrower(s)- see page 507 and copy of the appraisal was given to the borrower – see page 533, 535. The loan meets HPML guidelines. - Due Diligence Vendor-02/19/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860169 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-02 06:26 | 2026-05-04 13:58 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xxxxxx) | Cured-Cured with new PCCD, LOX, and fedex tracking. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Revised PCCD attached. - Seller-03/04/2026 <br> Open-Initial CD dated xxxxxx does not reflect Lender's Title Policy in Section B or C. Provide the COC for the addition of the Lender's Title Policy in Section B on the Revised CD dated xxxxxx. - Due Diligence Vendor-03/02/2026 <br> Open- - Due Diligence Vendor-03/02/2026 <br> Open- - Due Diligence Vendor-03/02/2026 <br> Open- - Due Diligence Vendor-03/02/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($77.38) were applied to the total fee variance of ($3,040.30) 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-03/02/2026 | Ready for Review-Document Uploaded. Revised PCCD attached. - Seller-03/04/2026 | Cured-Cured with new PCCD, LOX, and fedex tracking. - Due Diligence Vendor-05/04/2026 |  |  | FedEx - xxxxxx.pdf<br> PCCD - xxxxxx.pdf<br> LOX - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860169 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-27 11:21 | 2026-03-02 06:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated xxxxxx, Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Initial CD dated xxxxxx, Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-03/02/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860173 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 10:25 | 2026-04-07 07:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Self Employment Business Narrative received - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. - Seller-04/07/2026 <br>Open-Provide Self Employment Business Narrative - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 | Resolved-Self Employment Business Narrative received - Due Diligence Vendor-04/07/2026 |  |  | Business Narrative.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860173 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 01:18 | 2026-04-06 10:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.83%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.62%). 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 (6.12%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/02/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 624-625 and the Final Closing disclosure on Pg#'s 339-344 reflects escrows. Rate lock date was entered correctly – see Pg#'s 672-673 An interior and exterior appraisal was completed for this property – see pg 88-124 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 726, and copy of the appraisal was given to the borrower – see Pg#'s 303 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.83%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.62%). 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 (6.12%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/02/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 624-625 and the Final Closing disclosure on Pg#'s 339-344 reflects escrows. Rate lock date was entered correctly – see Pg#'s 672-673 An interior and exterior appraisal was completed for this property – see pg 88-124 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 726, and copy of the appraisal was given to the borrower – see Pg#'s 303 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/02/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860173 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 01:18 | 2026-04-06 10:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 624-625 and the Final Closing disclosure on Pg#'s 339-344 reflects escrows. Rate lock date was entered correctly – see Pg#'s 672-673 An interior and exterior appraisal was completed for this property – see pg 88-124 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 726, and copy of the appraisal was given to the borrower – see Pg#'s 303 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/02/2026 <br> Resolved-The loan's (7.83%) APR equals or exceeds the Federal HPML threshold of (7.62%). 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 (6.12%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 624-625 and the Final Closing disclosure on Pg#'s 339-344 reflects escrows. Rate lock date was entered correctly – see Pg#'s 672-673 An interior and exterior appraisal was completed for this property – see pg 88-124 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 726, and copy of the appraisal was given to the borrower – see Pg#'s 303 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/02/2026 <br> Resolved-The loan's (7.83%) APR equals or exceeds the Federal HPML threshold of (7.62%). 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 (6.12%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/02/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860174 | xxxxxx | D A | Closed | xxxxxx | 2026-02-23 11:41 | 2026-02-25 04:53 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved- Asset Worksheet for Business acct ending -6266 iao $4692.02 received. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. - Seller-02/24/2026 <br>Open-Provide Asset Worksheet for Business acct ending -6266 iao $4692.02 - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved- Asset Worksheet for Business acct ending -6266 iao $4692.02 received. - Due Diligence Vendor-02/25/2026 |  |  | Loan# xxxxxx Asset Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860178 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 11:39 | 2026-03-05 06:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Borrower signed date wrong...all other docs correct. Corrected date and borrower initialed Final CD received. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Counter-Borrower did not initial date change. Provide Final Cd with correct execution date with borrower initialing change. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Borrower signed date wrong...all other docs correct. Correction attached. - Seller-02/27/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC. Also, Final CD executed on xxxxxx; however, the Note is dated xxxxxx and the DOT was executed and notarized on xxxxxx. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. Borrower signed date wrong...all other docs correct. Correction attached. - Seller-02/27/2026 | Resolved-Borrower signed date wrong...all other docs correct. Corrected date and borrower initialed Final CD received. - Due Diligence Vendor-03/05/2026 |  |  | Corrected signature page.pdf<br> xxxxxx Initialed CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860178 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-23 23:21 | 2026-02-26 11:08 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception page 295<br> Exception Reason: OTHER - Exception required due to business used to source income in existence 21 months as opposed to 24 mos. Borrower was a sole xxxxxx beginning in xxxxxx and registered his business as an LLC on xxxxxx. This is confirmed on the Tax Preparer Attestation Form. - Due Diligence Vendor-02/24/2026 |  | Waived-Exception page 295<br> Exception Reason: OTHER - Exception required due to business used to source income in existence 21 months as opposed to 24 mos. Borrower was a sole xxxxxx beginning in xxxxxx and registered his business as an LLC on xxxxxx. This is confirmed on the Tax Preparer Attestation Form. - Due Diligence Vendor-02/24/2026 | 44.77% DTI is below the maximum 50% DTI by 5.23%.<br> 719 Representative credit score exceeds the minimum required of 700 by 19 points.<br> Borrower Contribution - Loan File 23% sales price, GL Requirement 10% sales price<br> Tradelines exceed min- Loan File 3x 12 months, GL Requirement No minimum tradelines required<br> Consumer Payment History- Loan File 0x30x24 months, GL Requirement 0x60x12 months | 44.77% DTI is below the maximum 50% DTI by 5.23%.<br> 719 Representative credit score exceeds the minimum required of 700 by 19 points.<br> Borrower Contribution - Loan File 23% sales price, GL Requirement 10% sales price<br> Tradelines exceed min- Loan File 3x 12 months, GL Requirement No minimum tradelines required<br> Consumer Payment History- Loan File 0x30x24 months, GL Requirement 0x60x12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 860179 | xxxxxx | C A | Closed | xxxxxx | 2026-03-19 01:05 | 2026-03-24 03:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD dated xxxxxx and COC dated xxxxxx received with Points - Loan Discount Fee iao $300.00 (0.125%) - Due Diligence Vendor-03/24/2026 <br> Resolved- - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase in the Points - Loan Discount Fee iao $300.00 on the Revised CD dated xxxxxx - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026 | Resolved-Revised CD dated xxxxxx and COC dated xxxxxx received with Points - Loan Discount Fee iao $300.00 (0.125%) - Due Diligence Vendor-03/24/2026 <br> Resolved- - Due Diligence Vendor-03/24/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860186 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-27 02:27 | 2026-03-02 03:13 | Waived | 2 - Non-Material C B | Credit | Credit | Appraisal deficiency | Waived-Client elects to waive with the following compensating factors: Use of Purchase Appraisal report on a refinance transaction. Borrower just purchased the subject for cash on 1xxxxxx. Refinancing under delayed financing. - Due Diligence Vendor-05/18/2026 <br> Ready for Review- - Due Diligence Vendor-05/18/2026 <br> Open-Property appraisal is marked as purchase and subject loan is a refinance. - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Waived-Client elects to waive with the following compensating factors: Use of Purchase Appraisal report on a refinance transaction. Borrower just purchased the subject for cash on xxxxxx. Refinancing under delayed financing. - Due Diligence Vendor-05/18/2026 | Guideline LTV 75%, 64.86% Ltv.<br> Guideline DTI 50 %, Qualifying Total Debt Income Ratio 11.39%<br> Guideline Required Reserves - Number of Months 6, Qualifying Total Reserves Number of Months 76.15<br>| Guideline LTV 75%, 64.86% Ltv.<br> Guideline DTI 50 %, Qualifying Total Debt Income Ratio 11.39%<br> Guideline Required Reserves - Number of Months 6, Qualifying Total Reserves Number of Months 76.15<br>| xxxxxx appraisal exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 860187 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-04 13:37 | 2026-05-04 13:39 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal Doc Status is Incomplete or Deficient | Resolved-Complete appraisal report received - Due Diligence Vendor-05/04/2026 <br>Open-Appraisal report is present; however, photos page and text on Addendums are blank on the appraisal report. Provide complete appraisal report. - Due Diligence Vendor-05/04/2026 | Document Uploaded. - 05/04/2026 <br>| Resolved-Complete appraisal report received - Due Diligence Vendor-05/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860187 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-31 12:02 | 2026-04-01 05:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx and xxxxxx and related COC's received. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-04/01/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx and xxxxxx and related COC's - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/01/2026 | Resolved-Revised CD's dated xxxxxx and xxxxxx and related COC's received. - Due Diligence Vendor-04/01/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860187 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-28 04:29 | 2026-04-01 05:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 <br>Resolved-The loan's (7.924%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 290, and the Final Closing disclosure on Pg#'s 87, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 325. An interior and exterior appraisal was completed for this property is in Findings, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 356-, and confirmation the appraisal was delivered to the borrower – see Pg#'s 110. The loan meet HPML guidelines. - Due Diligence Vendor-04/01/2026 <br>Ready for Review-See appraisal condition. - Seller-04/01/2026 <br>Open-The loan's (7.924%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 290, and the Final Closing disclosure on Pg#'s 87, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 325. An interior and exterior appraisal was completed for this property is Incomplete, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 356-, and confirmation the appraisal was delivered to the borrower – see Pg#'s 110. The loan does not meet HPML guidelines.<br> Provide complete appraisal with photos. - Due Diligence Vendor-03/28/2026 <br>Open- - Due Diligence Vendor-03/31/2026 <br>Open- - Due Diligence Vendor-03/28/2026 <br>Open- - Due Diligence Vendor-03/28/2026 | Ready for Review-See appraisal condition. - Seller-04/01/2026 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-04/01/2026 <br> Resolved-The loan's (7.924%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 290, and the Final Closing disclosure on Pg#'s 87, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 325. An interior and exterior appraisal was completed for this property is in Findings, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 356-, and confirmation the appraisal was delivered to the borrower – see Pg#'s 110. The loan meet HPML guidelines. - Due Diligence Vendor-04/01/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860187 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-28 04:29 | 2026-04-01 05:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD's dated xxxxxx and xxxxxx and related COC's received. - Due Diligence Vendor-04/01/2026 <br> Resolved- - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-04/01/2026 <br> Open- - Due Diligence Vendor-03/31/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide the COC for the Points - Loan Discount Fee that increased from Initial CD iao xxxxxx) to Final CDi ao xxxxxx.<br> - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 <br> Open- - Due Diligence Vendor-03/28/2026 | Ready for Review-Document Uploaded. - Seller-04/01/2026 | Resolved-Revised CD's dated xxxxxx and xxxxxx and related COC's received. - Due Diligence Vendor-04/01/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860188 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 07:08 | 2026-03-09 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-4 tax certs received. - Due Diligence Vendor-03/09/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. 4 tax certs for this one. - Seller-03/09/2026 <br> Open-Missing Evidence of Property Tax Final CD reflects monthly property tax iao xxxxxx. Provide Tax Certificate - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. 4 tax certs for this one. - Seller-03/09/2026 | Resolved-4 tax certs received. - Due Diligence Vendor-03/09/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx ISD Tax Office Property Search-41207.pdf<br> xxxxxx County Tax Office Property Search- 41221.pdf<br> xxxxxx County Tax Office Property Search-41207.pdf<br> xxxxxx ISD Tax Office Property Search-41221.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860192 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 10:08 | 2026-04-09 06:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Updated DL received with expiration date xxxxxx. - Due Diligence Vendor-04/09/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-DL expired on xxxxxx. Note dated xxxxxx. Provide unexpired ID. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026 | Resolved-Updated DL received with expiration date xxxxxx. - Due Diligence Vendor-04/09/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/09/2026 |  |  | ID updated.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860192 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 09:35 | 2026-03-31 04:46 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Incomplete | Resolved-Executed Affiliated Business Arrangement Disclosure received - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Seller-03/30/2026 <br>Open-Provide executed Affiliated Business Arrangement Disclosure - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/30/2026 | Resolved-Executed Affiliated Business Arrangement Disclosure received - Due Diligence Vendor-03/31/2026 |  |  | xxxxxx ABAD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860192 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 09:37 | 2026-03-31 04:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Executed HOC Disclosure received. - Due Diligence Vendor-03/31/2026 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Investment) - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Seller-03/30/2026 <br> Open-Provide executed HOC Disclosure - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/30/2026 | Resolved-Executed HOC Disclosure received. - Due Diligence Vendor-03/31/2026 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is xxxxxx and Occupancy is Investment) - Due Diligence Vendor-03/31/2026 |  |  | xxxxxx List.pdf<br> xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860192 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 06:08 | 2026-03-31 02:06 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Requested executed initial 1003 provided, updated & condition resolved. - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Seller-03/30/2026 <br>Open-Provide executed Initial 1003 - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/30/2026 | Resolved-Requested executed initial 1003 provided, updated & condition resolved. - Due Diligence Vendor-03/31/2026 |  |  | xxxxxx 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860194 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-24 09:06 | 2026-03-04 13:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-03/04/2026 <br> Waived-Loan does not conform to program guidelines Exception page 322<br> Exception Reason: OTHER- OFAC country<br> Bwr is from xxxxxx and OFAC search is clear - Due Diligence Vendor-02/24/2026 |  | Waived-Client elects to waive with the following compensating factors: Income and assets confirmed as US based - Due Diligence Vendor-03/04/2026 <br> Waived-Loan does not conform to program guidelines Exception page 322<br> Exception Reason: OTHER- OFAC country<br> Bwr is from xxxxxx and OFAC search is clear - Due Diligence Vendor-02/24/2026 | DTI- Lan File 31.614%, GL Requirement Max 50%<br> LTV- Loan File 70%, GL Requirement Max 80%<br> Credit - Loan File 748, GL Requirement Min 700<br> Residual Income- Loan File $4,270.58, GL Requirement MIn. $2,500<br> Borrower Contribution > 5% above min - Loan File 30%, GL Requirement 5% sales price<br> Consumer Payment History- Loan File 0x30x40 months, GL Requirement 0x60x12 months<br> Housing Payment - Loan File 0x30x12 months, GL Requirement 1x30x12 months | DTI- Lan File 31.614%, GL Requirement Max 50%<br> LTV- Loan File 70%, GL Requirement Max 80%<br> Credit - Loan File 748, GL Requirement Min 700<br> Residual Income- Loan File $4,270.58, GL Requirement MIn. $2,500<br> Borrower Contribution > 5% above min - Loan File 30%, GL Requirement 5% sales price<br> Consumer Payment History- Loan File 0x30x40 months, GL Requirement 0x60x12 months<br> Housing Payment - Loan File 0x30x12 months, GL Requirement 1x30x12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 860194 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-25 04:29 | 2026-02-26 04:37 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Evidence of withdrawal and receipt of EMD - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Provide evidence of EMD - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026 | Resolved-Evidence of withdrawal and receipt of EMD - Due Diligence Vendor-02/26/2026 |  |  | EMD and BS showing withdrawn.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860194 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-24 08:54 | 2026-02-25 04:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated xxxxxx with COC dated xxxxxx received. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Revised LE dated xxxxxx with COC dated xxxxxx received. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx, related COC's and evidence of EMD - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Revised LE dated xxxxxx with COC dated xxxxxx received. - Due Diligence Vendor-02/25/2026 |  |  | xxxxxx LE.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860196 | xxxxxx | C A | Closed | xxxxxx | 2026-03-05 10:35 | 2026-03-09 06:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Evidence of sufficient title policy coverage provided. - Due Diligence Vendor-03/09/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Preliminary Report does not include Title Policy Coverage amount. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-Evidence of sufficient title policy coverage provided. - Due Diligence Vendor-03/09/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx Title Supplement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860196 | xxxxxx | C A | Closed | xxxxxx | 2026-03-05 01:11 | 2026-03-09 06:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD xxxxxx and Revised CD xxxxxx with accompanying COC's provided. - Due Diligence Vendor-03/09/2026 <br> Resolved- - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: 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)). COC for Increase in Discount Points from $1656 to $2484.00 on Final CD missing. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-Revised CD xxxxxx and Revised CD xxxxxx with accompanying COC's provided. - Due Diligence Vendor-03/09/2026 <br> Resolved- - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860196 | xxxxxx | C A | Closed | xxxxxx | 2026-03-05 01:11 | 2026-03-09 06:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.792%) equals or exceeds the xxxxxx HPML threshold of (7.56%). 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 (6.06%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) State specific finding.<br> - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved-This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/09/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.792%) equals or exceeds the xxxxxx HPML threshold of (7.56%). 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 (6.06%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) State specific finding.<br> - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860196 | xxxxxx | C A | Closed | xxxxxx | 2026-03-05 01:11 | 2026-03-09 06:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/09/2026 <br>Open-This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/09/2026 <br>Open- - Due Diligence Vendor-03/09/2026 <br>Resolved-The loan's (7.792%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 |  | Resolved-This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/09/2026 <br> Resolved-The loan's (7.792%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) This loan meets HPML Guidelines and is a Compliant HPML Loan. - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 00:43 | 2026-03-04 22:28 | 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 within 10 days provided. - Due Diligence Vendor-03/05/2026 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-GAP credit, dated 2/5/26, is greater than 10 days prior to closing. - Due Diligence Vendor-03/04/2026 <br>Rescinded-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (within 9 business days from Closing/Settlement Date). - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Borrower 1 Gap Credit Report within 10 days provided. - Due Diligence Vendor-03/05/2026 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/05/2026 <br> Rescinded-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (within 9 business days from Closing/Settlement Date). - Due Diligence Vendor-02/24/2026 |  |  | xxxxxx 2 12 Gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 13:42 | 2026-03-04 06:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Closing CD shows xxxxxx per month or xxxxxx per year. Which matches PP xxxxxx x 1.25%. Section H. xxxxxx was based on the prior assessment and comes due xxxxxx so paid at closing - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Closing CD shows xxxxxx per month or xxxxxx per year. Section G.<br> xxxxxx was based on the prior assessment and comes due xxxxxx so paid at closing. - Due Diligence Vendor-03/03/2026 <br> Counter-Appraised value xxxxxx x 1.25%= xxxxxx; Purchase Price xxxxxx x 1.25% = xxxxxx. Neither option matches xxxxxx annual tax amount. - Due Diligence Vendor-03/03/2026 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-03/03/2026 <br> Ready for Review-xxxxxx purchase so Value/PP x 1.25 used since taxes don't increase until home sold. - Seller-02/26/2026 <br> Open-Missing Evidence of Property Tax Evidence of Tax amount xxxxxx per month) missing from file. Documentation in file reflect xxxxxx semi annual tax amount. - Due Diligence Vendor-02/26/2026 | Ready for Review-xxxxxx purchase so Value/PP x 1.25 used since taxes don't increase until home sold. - Seller-02/26/2026 | Resolved-Closing CD shows xxxxxx per month or xxxxxx per year. Which matches PP xxxxxx x 1.25%. Section H. xxxxxx was based on the prior assessment and comes due xxxxxx so paid at closing - Due Diligence Vendor-03/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 13:23 | 2026-03-04 06:00 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Zip Code verification provided-Both cities recognized for Zip Code. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-Subject Property on Note does not match Insured Property Address Note reflects City as xxxxxx which does not match Evidence of Insurance page City of xxxxxx - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 | Resolved-Zip Code verification provided-Both cities recognized for Zip Code. - Due Diligence Vendor-03/04/2026 |  |  | Zip Code Verification.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 03:13 | 2026-03-02 06:10 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed Intent to Proceed provided. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Executed Intent to Proceed provided. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-See 1003 condition. - Seller-02/27/2026 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing executed Intent to Proceed<br> - Due Diligence Vendor-02/24/2026 | Ready for Review-See 1003 condition. - Seller-02/27/2026 | Resolved-Executed Intent to Proceed provided. - Due Diligence Vendor-03/02/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 13:03 | 2026-03-02 06:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 provided. - Due Diligence Vendor-03/02/2026 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-The Initial 1003 is Missing Initial 1003 signed by Originator missing from file. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Resolved-Initial 1003 provided. - Due Diligence Vendor-03/02/2026 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/02/2026 |  |  | xxxxxx Initial signed discs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 03:12 | 2026-04-29 08:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 <br> Open-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/04/2026 <br> Resolved-The loan's (8.926%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/04/2026 <br> Resolved-The loan's (8.926%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860197 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 03:12 | 2026-04-29 08:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/04/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.926%) equals or exceeds the xxxxxx HPML threshold of (7.64%). 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 (6.14%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 |  | Resolved- - Due Diligence Vendor-04/29/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/05/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/04/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.926%) equals or exceeds the xxxxxx HPML threshold of (7.64%). 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 (6.14%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-02/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860198 | xxxxxx | D A | Closed | xxxxxx | 2026-02-25 07:45 | 2026-02-26 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and related COC received. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026 | Resolved-Initial CD and related COC received. - Due Diligence Vendor-02/26/2026<br>|  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860198 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 03:53 | 2026-02-26 03:59 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 298 and the Final Closing disclosure on page 143 reflects escrows. Rate lock date was entered correctly – see page 361-366. An interior and exterior appraisal was completed for this property – see page 27, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower – see page 190. The loan meets HPML guidelines - Due Diligence Vendor-02/26/2026 <br>Rescinded-The loan's (8.815%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-02/26/2026 <br>Open- - Due Diligence Vendor-02/26/2026 |  | 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 page 298 and the Final Closing disclosure on page 143 reflects escrows. Rate lock date was entered correctly – see page 361-366. An interior and exterior appraisal was completed for this property – see page 27, the appraisal disclosure was provided to the borrower(s)- see page 401 and copy of the appraisal was given to the borrower – see page 190. The loan meets HPML guidelines - Due Diligence Vendor-02/26/2026 <br> Rescinded-The loan's (8.815%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-02/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860200 | xxxxxx | A | Closed | xxxxxx | 2026-02-27 00:58 | 2026-02-28 06:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 397-398 and the Final Closing disclosure on Pg#'s 226-230 reflects escrows. Rate lock date was entered correctly – see Pg#'s 427-728 An interior and exterior appraisal was completed for this property – see pg 29-69 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 29-69, and copy of the appraisal was given to the borrower – see Pg#'s 477, 478 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/27/2026 <br>Resolved-The loan's (8.482%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-02/28/2026 <br>Open- - Due Diligence Vendor-02/28/2026 <br>Open- - Due Diligence Vendor-02/27/2026 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 397-398 and the Final Closing disclosure on Pg#'s 226-230 reflects escrows. Rate lock date was entered correctly – see Pg#'s 427-728 An interior and exterior appraisal was completed for this property – see pg 29-69 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 29-69, and copy of the appraisal was given to the borrower – see Pg#'s 477, 478 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/27/2026 <br> Resolved-The loan's (8.482%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-02/28/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860201 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 08:26 | 2026-03-09 11:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx and related COC received. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx and related COC's. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-Revised CD's dated xxxxxx and related COC received. - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx CC before correction.pdf<br> xxxxxx revised CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860201 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-05 09:08 | 2026-03-09 11:36 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Full gift iao $76,0000was not needed only $46,885.34 as it appears on the Final CD. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Full gift was not needed. - Seller-03/09/2026 <br> Open-Gift Funds received and Gift Letter reflect $76,000; however, Final CD reflects Gift Funds iao $46,885.34. - Due Diligence Vendor-03/05/2026 | Ready for Review-Full gift was not needed. - Seller-03/09/2026 | Resolved-Full gift iao $76,0000was not needed only $46,885.34 as it appears on the Final CD. - Due Diligence Vendor-03/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860201 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-03 22:24 | 2026-03-09 11:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/09/2026 <br>Open- - Due Diligence Vendor-03/09/2026 <br>Resolved-The loan's (9.191%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 594 and the Final Closing disclosure on Pg#'s 240 reflects escrows. Rate lock date was entered correctly – see Pg#'s 645. An interior and exterior appraisal was completed for this property – see pg 48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 790 , and copy of the appraisal was given to the borrower – see Pg#'s 346, 349-351 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/04/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/05/2026 <br>Open- - Due Diligence Vendor-03/04/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/09/2026 <br> Resolved-The loan's (9.191%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 594 and the Final Closing disclosure on Pg#'s 240 reflects escrows. Rate lock date was entered correctly – see Pg#'s 645. An interior and exterior appraisal was completed for this property – see pg 48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 790 , and copy of the appraisal was given to the borrower – see Pg#'s 346, 349-351 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860202 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 12:22 | 2026-03-09 04:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Revised Cd dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD and Revised Cd dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-Initial CD and Revised Cd dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860202 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 04:39 | 2026-03-09 04:40 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Updated received date to xxxxxx - Due Diligence Vendor-03/09/2026 <br> Open-You submitted a Prior Closing Disclosure Received Date (xxxxxx) earlier than the Prior Closing Disclosure Date Issued (xxxxxx). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) . - Due Diligence Vendor-03/09/2026 |  | Resolved-Updated received date to xxxxxx - Due Diligence Vendor-03/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860205 | xxxxxx | A | Closed | xxxxxx | 2026-02-25 03:34 | 2026-02-26 16:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.463%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324-325 and the Final Closing disclosure on Pg#'s 115-119 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353-354 An interior and exterior appraisal was completed for this property – see pg 26-57 the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26-57, and copy of the appraisal was given to the borrower – see Pg#'s58 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-02/25/2026 <br>Open- - Due Diligence Vendor-02/26/2026 <br>Open- - Due Diligence Vendor-02/25/2026 |  | Resolved-The loan's (8.463%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324-325 and the Final Closing disclosure on Pg#'s 115-119 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353-354 An interior and exterior appraisal was completed for this property – see pg 26-57 the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26-57, and copy of the appraisal was given to the borrower – see Pg#'s58 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-02/25/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860205 | xxxxxx | A | Closed | xxxxxx | 2026-02-25 03:34 | 2026-02-26 15:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.463%) equals or exceeds the xxxxxx HPML threshold of (7.6%). 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 (6.1%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324-325 and the Final Closing disclosure on Pg#'s 115-119 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353-354 An interior and exterior appraisal was completed for this property – see pg 26-57 the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26-57, and copy of the appraisal was given to the borrower – see Pg#'s58 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/25/2026 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.463%) equals or exceeds the xxxxxx HPML threshold of (7.6%). 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 (6.1%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 324-325 and the Final Closing disclosure on Pg#'s 115-119 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353-354 An interior and exterior appraisal was completed for this property – see pg 26-57 the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26-57, and copy of the appraisal was given to the borrower – see Pg#'s58 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-02/25/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860207 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-18 01:09 | 2026-05-04 09:46 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Processing Fee (Fee ID: 9) | Resolved-PCCD provided with cure, resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open-. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Attached. - Seller-03/31/2026 <br> Open-Per the compliance department-May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open-May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx.A.C. 3:1-16.2) does not allow Processing Fee (Fee ID: 9) to be charged to the Borrower in xxxxxx. May be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Attached. - Seller-03/31/2026 | Resolved-PCCD provided with cure, resolved. - Due Diligence Vendor-04/01/2026 |  |  | PCCD - xxxxxx.pdf<br> LOX - xxxxxx.pdf<br> xxxxxx - xxxxxx.pdf<br> Check - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860207 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-24 09:12 | 2026-04-01 14:00 | Cured | 2 - Non-Material C B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- DocumentStorage/Archive/Copies (Fee ID: 998) | Resolved- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx A.C. 3:1-16.2) does not allow DocumentStorage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx . - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Attached. - Seller-03/31/2026 <br> Open-Per compliance- Document Storage/Archive/Copies is not a xxxxxx permitted fee and may be cured if the client refunds the fee violation and provides xxxxxx a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-03/24/2026 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx A.C. 3:1-16.2) does not allow DocumentStorage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx. Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx A.C. 3:1-16.2) does not allow Document Storage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx. - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/24/2026 | PCCD provided with cure, Cured. - 04/01/2026 <br>Ready for Review-Document Uploaded. Attached. - Seller-03/31/2026 | PCCD provided with cure, Cured. - 04/01/2026 |  |  | LOX - xxxxxx.pdf<br> PCCD - xxxxxx.pdf<br> FedEx - xxxxxx.pdf<br> Check - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860207 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-17 23:49 | 2026-03-21 05:00 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Executed 1003 provided, resolved. - Due Diligence Vendor-03/21/2026 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-03/21/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-The Final 1003 is Not Executed Missing executed final 1003. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026 | Resolved-Executed 1003 provided, resolved. - Due Diligence Vendor-03/21/2026 <br> Resolved-The Final 1003 is Executed - Due Diligence Vendor-03/21/2026 |  |  | xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860207 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-18 01:09 | 2026-03-20 03:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Closing Disclosure Missing closing disclosures (CDS) dated xxxxxx, xxxxxx, and xxxxxx with corresponding change of circumstances provided, resolved. - Due Diligence Vendor-03/20/2026 <br> Resolved- - Due Diligence Vendor-03/20/2026 <br> Resolved- - Due Diligence Vendor-03/20/2026 <br> Ready for Review-See 1003 condition. - Seller-03/19/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: 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)). Points charge o borrower $0.00 on the loan estimate (LE) and $3,160.00 on the final closing disclosure (CD), missing change of circumstance (COC). - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/18/2026 | Ready for Review-See 1003 condition. - Seller-03/19/2026 | Resolved-Closing Disclosure Missing closing disclosures (CDS) dated xxxxxx, xxxxxx, and xxxxxx with corresponding change of circumstances provided, resolved. - Due Diligence Vendor-03/20/2026 <br> Resolved- - Due Diligence Vendor-03/20/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860207 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-19 05:29 | 2026-03-20 03:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing Disclosure Missing closing disclosures (CDS) dated xxxxxx, xxxxxx, and xxxxxx with corresponding change of circumstances provided, resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures (CDS) dated xxxxxx, xxxxxx, and xxxxxx with corresponding change of circumstances if applicable. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 | Resolved-Closing Disclosure Missing closing disclosures (CDS) dated xxxxxx, xxxxxx, and xxxxxx with corresponding change of circumstances provided, resolved. - Due Diligence Vendor-03/20/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860207 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-18 01:09 | 2026-04-01 03:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/01/2026 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 283 and the Final Closing disclosure on Pg# Findings reflects escrows. Rate lock date was entered correctly – see Pg# 314 An interior and exterior appraisal was completed for this property – see Pg# 36, the appraisal disclosure was provided to the borrower(s)- see Pg# 442 and copy of the appraisal was given to the borrower – see Pg# 144 for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 <br>Open-. - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/24/2026 <br>Resolved-. - Due Diligence Vendor-03/24/2026 <br>Open- - Due Diligence Vendor-03/24/2026 <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/20/2026 <br>Open- - Due Diligence Vendor-03/20/2026 <br>Resolved-The loan's (7.843%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 283 and the Final Closing disclosure on Pg#'s 113-117 reflects escrows. Rate lock date was entered correctly – see Pg#'s 314 An interior and exterior appraisal was completed for this property – see pg 36-70 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and copy of the appraisal was given to the borrower – see Pg#'s 144 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/18/2026 <br>Open- - Due Diligence Vendor-03/19/2026 <br>Open- - Due Diligence Vendor-03/19/2026 <br>Open- - Due Diligence Vendor-03/18/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/01/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 283 and the Final Closing disclosure on Pg# Findings reflects escrows. Rate lock date was entered correctly – see Pg# 314 An interior and exterior appraisal was completed for this property – see Pg# 36, the appraisal disclosure was provided to the borrower(s)- see Pg# 442 and copy of the appraisal was given to the borrower – see Pg# 144 for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/01/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/24/2026 <br> Resolved-. - Due Diligence Vendor-03/24/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/20/2026 <br> Resolved-The loan's (7.843%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 283 and the Final Closing disclosure on Pg#'s 113-117 reflects escrows. Rate lock date was entered correctly – see Pg#'s 314 An interior and exterior appraisal was completed for this property – see pg 36-70 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, and copy of the appraisal was given to the borrower – see Pg#'s 144 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/18/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860210 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 06:36 | 2026-03-16 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Per GL, In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. Updated credit report dated 3/12/2026. - Due Diligence Vendor-03/16/2026 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report within 10 days of closing date. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 | Resolved-Per GL, In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing. Updated credit report dated 3/12/2026. - Due Diligence Vendor-03/16/2026 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/16/2026 |  |  | Gap and other credit docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860210 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 07:18 | 2026-03-13 05:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC, - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 | Resolved- Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-03/13/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860210 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 07:20 | 2026-03-13 05:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/13/2026 <br>Resolved-HOI Policy with annual premium iao $1193 received. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. - Seller-03/12/2026 <br>Open-HOI Policy reflects an annual premium iao $1240. Provide HOI Policy with annual premium iao $1193 as reflected on the Final CD - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/13/2026 <br> Resolved-HOI Policy with annual premium iao $1193 received. - Due Diligence Vendor-03/13/2026 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860211 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-02 04:46 | 2026-03-05 06:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD and related COC received - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-Initial CD and related COC received - Due Diligence Vendor-03/05/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860211 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 03:09 | 2026-03-05 05:17 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-Finding Waived as immaterial. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open-The loan's (7.99%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.64%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.14%).State Specific Finding-xxxxxx state. - Due Diligence Vendor-03/05/2026 <br> Open-The loan's (7.99%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.64%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.14%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/05/2026 |  | Waived-Finding Waived as immaterial. - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860211 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 03:09 | 2026-03-05 05:17 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 366 and the Final Closing disclosure on Pg#'s 163, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 399. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 470-472, 473-476 The loan meets HPML Guidelines and is a Compliant HPML loan, resolved. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open-The loan's (7.99%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/05/2026 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 366 and the Final Closing disclosure on Pg#'s 163, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 399. An interior and exterior appraisal was completed for this property – see pg 19, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 454, and confirmation the appraisal was delivered to the borrower – see Pg#'s 470-472, 473-476 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860212 | xxxxxx | A | Closed | xxxxxx | 2026-02-18 00:46 | 2026-02-23 13:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.751%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) xxxxxx - This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 333, and the Final Closing disclosure on Pg#'s 209, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 360. An interior and exterior appraisal was completed for this property – see pg#36-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 411,187, and confirmation the appraisal was delivered to the borrower – see Pg#'s 411, 187. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/18/2026 |  | Resolved-The loan's (7.751%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(12 CFR 1026.35(a)(1)(i)) xxxxxx - This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 333, and the Final Closing disclosure on Pg#'s 209, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 360. An interior and exterior appraisal was completed for this property – see pg#36-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 411,187, and confirmation the appraisal was delivered to the borrower – see Pg#'s 411, 187. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/18/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860213 | xxxxxx | A | Closed | xxxxxx | 2026-02-24 04:13 | 2026-02-26 09:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.647%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.64%). 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 (6.14%). (xxxxxx 09.03.06.02(B)(13); 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 321, and the Final Closing disclosure on Pg#'s 171, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 370. An interior and exterior appraisal was completed for this property – see pg 39-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 408, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.647%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.64%). 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 (6.14%). (xxxxxx 09.03.06.02(B)(13); 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 321, and the Final Closing disclosure on Pg#'s 171, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 370. An interior and exterior appraisal was completed for this property – see pg 39-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 408, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860213 | xxxxxx | A | Closed | xxxxxx | 2026-02-24 04:13 | 2026-02-26 09:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.647%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(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 321, and the Final Closing disclosure on Pg#'s 171, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 370. An interior and exterior appraisal was completed for this property – see pg 39-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 408, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/24/2026 <br>Open- - Due Diligence Vendor-02/26/2026 <br>Open- - Due Diligence Vendor-02/24/2026 <br>Open- - Due Diligence Vendor-02/24/2026 |  | Resolved-The loan's (7.647%) APR equals or exceeds the Federal HPML threshold of (7.64%). 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 (6.14%).(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 321, and the Final Closing disclosure on Pg#'s 171, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 370. An interior and exterior appraisal was completed for this property – see pg 39-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 408, and confirmation the appraisal was delivered to the borrower – see Pg#'s 215. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860214 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860216 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860217 | xxxxxx | D A | Closed | xxxxxx | 2026-02-23 21:10 | 2026-03-05 15:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 <br> Resolved-Received 1003. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-The Final 1003 is Missing Provide Final 1003. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026 | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 <br> Resolved-Received 1003. - Due Diligence Vendor-02/26/2026 |  |  | Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860217 | xxxxxx | D A | Closed | xxxxxx | 2026-02-24 00:18 | 2026-02-26 07:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.803%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __248__ and the Final Closing disclosure on Pg#'s _112___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __276___ An interior and exterior appraisal was completed for this property – see pg 22____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_22__ , and copy of the appraisal was given to the borrower – see Pg#'s __22___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-02/24/2026 <br>Open- - Due Diligence Vendor-02/26/2026 <br>Open- - Due Diligence Vendor-02/24/2026 |  | Resolved-The loan's (7.803%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __248__ and the Final Closing disclosure on Pg#'s _112___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __276___ An interior and exterior appraisal was completed for this property – see pg 22____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_22__ , and copy of the appraisal was given to the borrower – see Pg#'s __22___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-02/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860218 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 12:23 | 2026-02-27 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received income calculator. Lender is using the gross amount instead of the net amount after applying ownership and expense factor. $1629 + $5127 = $6,756. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-Provide updated income calculator. Calculated provided as income as $6,516.54 with a 50% expense factor. 1008 provided has income as $6,756.33.<br> - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Resolved-Received income calculator. Lender is using the gross amount instead of the net amount after applying ownership and expense factor. $1629 + $5127 = $6,756. - Due Diligence Vendor-02/27/2026 |  |  | Bank Calc xxxxxx.pdf<br> Bank Calc xxxxxx.pdf<br> xxxxxx note from underwriting.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860219 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 06:47 | 2026-03-16 04:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-HPML Fail Resolved. PCCD and refund iao $325 received, - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. We are refunding the final inspection in order to cure the HPML fail. - Seller-03/12/2026 <br> Counter-Document Uploaded. xxxxxx Report reflects HPML Fail and loan meets HPML guidelines - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Not an HPML so 2nd appraisal not needed. - Seller-03/04/2026 <br> Open-Second Appraisal/ Valuation is Missing DPS on xxxxxx to Contract signed on xxxxxx= 151 days<br> DPS amount xxxxxx<br> Sales Price xxxxxx <br> Per xxxxxx Matrix, the price in the borrower's purchase agreement exceeds the property Seller's acquisition price by more than 20% if the property Seller acquired the property 91-180 days prior to the date of the borrower's purchase agreement.<br> Provide second appraisal <br> - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. We are refunding the final inspection in order to cure the HPML fail. - Seller-03/12/2026 <br> Ready for Review-Not an HPML so 2nd appraisal not needed. - Seller-03/04/2026 | Resolved-HPML Fail Resolved. PCCD and refund iao $325 received, - Due Diligence Vendor-03/16/2026 |  |  | xxxxxx- HPML Fail.png<br> xxxxxx- HPML Fail - xxxxxx Report.png<br> FedEx - xxxxxx.pdf<br> PCCD - xxxxxx.pdf<br> Check - xxxxxx.pdf<br> LOX - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860219 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 06:44 | 2026-03-13 10:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/13/2026 <br> Resolved- Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/13/2026 <br> Resolved- Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-03/05/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860219 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 01:20 | 2026-03-05 06:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC for Final Inspection iao $325 received - Due Diligence Vendor-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026 <br>Ready for Review-See CD condition...uploaded there. - Seller-03/04/2026 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Final Inspection iao $325. - Due Diligence Vendor-03/03/2026 <br>Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-See CD condition...uploaded there. - Seller-03/04/2026 | Resolved-COC for Final Inspection iao $325 received - Due Diligence Vendor-03/05/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860219 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 01:20 | 2026-03-13 15:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-Resolved - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Open-Entered PCCD and refund iao $325. HPML Fail still reflecting. Escalated to xxxxxx/Compliance. - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/05/2026 <br> Open-The loan's (7.564%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 347 and the Final Closing disclosure on page 123 reflects escrows. Rate lock date was entered correctly – see page xxxxxx. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 422 and copy of the appraisal was given to the borrower – see page 105-106. The loan meets HPML guidelines. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Resolved-The loan's (7.564%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 347 and the Final Closing disclosure on page 123 reflects escrows. Rate lock date was entered correctly – see page xxxxxx. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 422 and copy of the appraisal was given to the borrower – see page 105-106. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-Resolved - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/05/2026 <br> Resolved-The loan's (7.564%) APR equals or exceeds the Federal HPML threshold of (7.56%). 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 (6.06%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 347 and the Final Closing disclosure on page 123 reflects escrows. Rate lock date was entered correctly – see page xxxxxx. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 422 and copy of the appraisal was given to the borrower – see page 105-106. The loan meets HPML guidelines. - Due Diligence Vendor-03/03/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860219 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 01:20 | 2026-03-13 15:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Resolved - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Open-Entered PCCD and refund iao $325. HPML Fail still reflecting. Escalated to xxxxxx/Compliance. - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.564%) equals or exceeds the xxxxxx HPML threshold of (7.56%). 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 (6.06%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 347 and the Final Closing disclosure on page 123 reflects escrows. Rate lock date was entered correctly – see page xxxxxx. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 422 and copy of the appraisal was given to the borrower – see page 105-106. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 |  | Resolved-Resolved - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/05/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.564%) equals or exceeds the xxxxxx HPML threshold of (7.56%). 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 (6.06%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 347 and the Final Closing disclosure on page 123 reflects escrows. Rate lock date was entered correctly – see page xxxxxx. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 422 and copy of the appraisal was given to the borrower – see page 105-106. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/03/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860291 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-05 03:00 | 2026-02-06 08:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception to use mortgage reconveyance, payoff letter for mortgage and property profile in lieu of traditional VOR/VOM and guidelines. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-02/05/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements, Required Free and clear LOX/VOM to cover the 12 months housing history. - Due Diligence Vendor-02/05/2026 |  | Waived-Exception to use mortgage reconveyance, payoff letter for mortgage and property profile in lieu of traditional VOR/VOM and guidelines. - Due Diligence Vendor-02/06/2026 | 1. Low LTV of 37% when GL is 80%.<br> 2. High DSCR of 1.85 and GL is 0.85.<br> 3. High amount of reserves. 48 months of reserves and GL is 6 months. | 1. Low LTV of 37% when GL is 80%.<br> 2. High DSCR of 1.85 and GL is 0.85.<br> 3. High amount of reserves. 48 months of reserves and GL is 6 months. | VOM.pdf<br> xxxxxx Exception VOM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 860352 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 02:36 | 2026-03-17 05:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-October 2025 Business Bank Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. October Bank Statement - Seller-03/16/2026 <br> Open-Income qualifies with 12 month business bank statement however one of the statement dated of Oct 2025 is missing in file. Provide bank statement of Oct 2025 from xxxxxx acct xxxxxx - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. October Bank Statement - Seller-03/16/2026 | Resolved-October 2025 Business Bank Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/17/2026 |  |  | Business Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860352 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 10:57 | 2026-03-13 08:09 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-received updated 1003. updated 1003 and employment page with rent loss - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Updated 1003.1008 - Seller-03/12/2026 <br> Open-Final 1003 in file shows the current residence as primary residence. Need updated 1003 to show what the intentions are with xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Updated 1003.1008 - Seller-03/12/2026 | Resolved-received updated 1003. updated 1003 and employment page with rent loss - Due Diligence Vendor-03/13/2026 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860352 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 09:17 | 2026-03-13 04:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in Fraud Report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. cleared alerts<br> - Seller-03/12/2026 <br>Open-Per the GL 02-20-2026 page # 05 a clear fraud report is required. The Fraud report with cleared alert is missing in file. Provide a cleared Fraud report document.<br> - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. cleared alerts<br> - Seller-03/12/2026 | Resolved-There are Uncleared alerts in Fraud Report, provided updated Fraud Report, changes made in system, Finding Resolved - Due Diligence Vendor-03/13/2026 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860352 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 11:17 | 2026-03-11 09:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Final CD - Seller-03/10/2026 <br>Open-TRID: Missing Final Closing Disclosure Provide fully executed Final CD - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Final CD - Seller-03/10/2026 | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/11/2026 |  |  | xxxxxx_Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860352 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 00:24 | 2026-03-11 02:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-03/11/2026 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. xxxxxx SSR - CU score of 1 - Seller-03/10/2026 <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 The file is missing secondary valuation or additional valuation. Provide a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or an appraisal desk review.<br> - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. xxxxxx SSR - CU score of 1 - Seller-03/10/2026 | Resolved-Secondary Valuation is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-03/11/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/11/2026 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861015 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861016 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 861020 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-09 07:32 | 2026-05-04 14:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Borrower is free and clear from OFAC search. - Due Diligence Vendor-05/04/2026 <br> Waived-Loan does not conform to program guidelines Exception page: 413<br> Exception Reason: OTHER-Borrower is from OFAC Sanctioned country "xxxxxx", GL Requirement - Borrower is not from OFAC Sanctioned country - Due Diligence Vendor-03/09/2026 |  | Waived-Borrower is free and clear from OFAC search. Income and assets confirmed as US based. - Due Diligence Vendor-05/04/2026 <br> Waived-Loan does not conform to program guidelines Exception page: 413<br> Exception Reason: OTHER-Borrower is from OFAC Sanctioned country "xxxxxx", GL Requirement - Borrower is not from OFAC Sanctioned country - Due Diligence Vendor-03/09/2026 | FICO Score - Loan File 764, GL Requirement Min 700 .<br> Residual income required is $2500 . Loan File is $4517.31.<br> Reserves required is 6 months. Loan File is 15.37 months.<br> Borrower contribution required is 10%, Loan File is 24%.<br> No minimum tradelines required if 3 scores are available. Lona File has 6 tradelines with > 12 months.<br> Consumer Payment History required is 0\*60\*12. Loan File 0\*30\*109 months <br> Housing Payment History required is 1\*30\*12. Loan File 0\*30\*19 months<br> Job Stability required is 2 years. Loan File 8 yrs. | FICO Score - Loan File 764, GL Requirement Min 700 .<br> Residual income required is $2500 . Loan File is $4517.31.<br> Reserves required is 6 months. Loan File is 15.37 months.<br> Borrower contribution required is 10%, Loan File is 24%.<br> No minimum tradelines required if 3 scores are available. Lona File has 6 tradelines with > 12 months.<br> Consumer Payment History required is 0\*60\*12. Loan File 0\*30\*109 months <br> Housing Payment History required is 1\*30\*12. Loan File 0\*30\*19 months<br> Job Stability required is 2 years. Loan File 8 yrs. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861020 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-09 07:52 | 2026-03-10 11:34 | 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-03/09/2026 <br>Resolved-Gift Funds were not used. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Not showing that gift funds were used. - Seller-03/09/2026 <br>Open-Asset 4 Does Not Meet Guideline Requirements Gift Letter dated 02/24/2026 reflects "Gift will be provided to the title agent on a future date". Final CD does not reflect Gift Funds applied at closing and there is no evidence of $15,000 wire transfer, cashier check or deposit into borrower's account. Provide supporting documentation. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Not showing that gift funds were used. - Seller-03/09/2026 | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/09/2026 <br> Resolved-Gift Funds were not used. - Due Diligence Vendor-03/09/2026 |  |  | Loan# xxxxxx Asset Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861020 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-05 21:53 | 2026-03-10 11:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD dated xxxxxx timestamped 9:31 am and COC received - Due Diligence Vendor-03/10/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Counter-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the Points - Loan Discount Fee iao $3842.95 (.755%) on the Revised CD dated xxxxxx. - Due Diligence Vendor-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide Revised CD dated xxxxxx and COC for the increase in Broker Fees and Points - Loan Discount Fee - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-Revised CD dated xxxxxx timestamped 9:31 am and COC received - Due Diligence Vendor-03/10/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/10/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861020 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-05 18:12 | 2026-03-10 02:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title report with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage Amount of xxxxxx is Less than Loan Amount iao xxxxxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-Requested updated title report with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/10/2026 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861021 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-24 08:12 | 2026-02-26 04:07 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- Intent to Proceed Disclosure received - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Counter-Provide signed Intent to Proceed Disclosure - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. x - Seller-02/24/2026 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. x - Seller-02/24/2026 | Resolved- Intent to Proceed Disclosure received - Due Diligence Vendor-02/26/2026 |  |  | Disclosure items.pdf<br> xxxxxx signed initials.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861021 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-24 08:12 | 2026-02-25 03:26 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Affiliated Business Arrangement Disclosure received. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-See ITP condition. - Seller-02/24/2026 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-02/24/2026 | Ready for Review-See ITP condition. - Seller-02/24/2026 | Resolved-Affiliated Business Arrangement Disclosure received. - Due Diligence Vendor-02/25/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861021 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-20 00:57 | 2026-02-24 21:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo sign missing in Initial 1003, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/25/2026 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2026 <br>Ready for Review-See ITP condition. - Seller-02/24/2026 <br>Open-The Initial 1003 is Missing Provide fully executed Initial 1003 by borrower and L/O. - Due Diligence Vendor-02/20/2026 | Ready for Review-See ITP condition. - Seller-02/24/2026 | Resolved-Lo sign missing in Initial 1003, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-02/25/2026 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861024 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 04:17 | 2026-03-10 04:38 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/10/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 484 and the Final Closing disclosure on page 144 reflects escrows. Rate lock date was entered correctly – see page 523. An interior and exterior appraisal was completed for this property – see page 37, the appraisal disclosure was provided to the borrower(s)- see page 555 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 484 and the Final Closing disclosure on page 144 reflects escrows. Rate lock date was entered correctly – see page 523. An interior and exterior appraisal was completed for this property – see page 37, the appraisal disclosure was provided to the borrower(s)- see page 555 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 484 and the Final Closing disclosure on page 144 reflects escrows. Rate lock date was entered correctly – see page 523. An interior and exterior appraisal was completed for this property – see page 37, the appraisal disclosure was provided to the borrower(s)- see page 555 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open-The loan's (7.799%) APR equals or exceeds the Federal HPML threshold of (7.63%). 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 (6.13%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/10/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 484 and the Final Closing disclosure on page 144 reflects escrows. Rate lock date was entered correctly – see page 523. An interior and exterior appraisal was completed for this property – see page 37, the appraisal disclosure was provided to the borrower(s)- see page 555 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 484 and the Final Closing disclosure on page 144 reflects escrows. Rate lock date was entered correctly – see page 523. An interior and exterior appraisal was completed for this property – see page 37, the appraisal disclosure was provided to the borrower(s)- see page 555 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 484 and the Final Closing disclosure on page 144 reflects escrows. Rate lock date was entered correctly – see page 523. An interior and exterior appraisal was completed for this property – see page 37, the appraisal disclosure was provided to the borrower(s)- see page 555 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861024 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 02:14 | 2026-03-10 04:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided, resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-TRID: Missing Closing Disclosure Missing initial closing disclosure (CD) dated xxxxxx with corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 | Resolved-Initial CD provided, resolved. - Due Diligence Vendor-03/10/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861026 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861029 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861030 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 01:26 | 2026-03-09 02:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated, xxxxxx xxxxxx & condition resolved as xxxxxx is pass. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-TRID: Missing Closing Disclosure Provide initial CD dated xxxxxx and related COC. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-Requested Initial CD provided, updated, xxxxxx xxxxxx & condition resolved as xxxxxx is pass. - Due Diligence Vendor-03/09/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861030 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 02:13 | 2026-03-09 02:18 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-03/09/2026 <br>Open-The disclosed finance charge ($572,302.47) is ($120.00) below the actual finance charge($572,422.47). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/09/2026 |  | Resolved-Resolved - Due Diligence Vendor-03/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861038 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 22:43 | 2026-03-20 00:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note doc provided. Resolved - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-The Note is Missing Provide executed Note - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 | Resolved-Note doc provided. Resolved - Due Diligence Vendor-03/20/2026 |  |  | xxxxxx Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861038 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 08:08 | 2026-03-11 04:00 | Resolved | 1 - Information A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Per client, the revised CD dated xxxxxx were closing docs but the loan did not close. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Those were closing docs sent on xxxxxx but loan ended up not closing. - Seller-03/10/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC. - Due Diligence Vendor-03/10/2026 | Ready for Review-Those were closing docs sent on xxxxxx but loan ended up not closing. - Seller-03/10/2026 | Resolved-Per client, the revised CD dated xxxxxx were closing docs but the loan did not close. - Due Diligence Vendor-03/11/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861038 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 01:20 | 2026-03-10 07:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.423%) APR equals or exceeds the Federal HPML threshold of (7.63%). 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 (6.13%).(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#243 and the Final Closing disclosure on Pg#148 reflects escrows. Rate lock date was entered correctly see Pg#267 An interior and exterior appraisal was completed for this property – see Page# 18 the appraisal disclosure was provided to the borrower(s)- see Pg# 304, and copy of the appraisal was given to the borrower see Pg# 129 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 |  | Resolved-The loan's (8.423%) APR equals or exceeds the Federal HPML threshold of (7.63%). 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 (6.13%).(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#243 and the Final Closing disclosure on Pg#148 reflects escrows. Rate lock date was entered correctly see Pg#267 An interior and exterior appraisal was completed for this property – see Page# 18 the appraisal disclosure was provided to the borrower(s)- see Pg# 304, and copy of the appraisal was given to the borrower see Pg# 129 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/10/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861040 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 861045 | xxxxxx | D A | Closed | xxxxxx | 2026-03-11 10:12 | 2026-03-12 03:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock provided, resolved. - Due Diligence Vendor-03/12/2026 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. - Seller-03/11/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026 | Resolved-Rate lock provided, resolved. - Due Diligence Vendor-03/12/2026 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/12/2026 |  |  | xxxxxx Lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861045 | xxxxxx | D A | Closed | xxxxxx | 2026-03-11 03:47 | 2026-03-12 03:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/12/2026 <br>Resolved-The loan's (8.185%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _808___ and the Final Closing disclosure on Pg#'s _284___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _findings____ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_931__ , and copy of the appraisal was given to the borrower – see Pg#'s __255__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/12/2026 <br>Resolved-. - Due Diligence Vendor-03/12/2026 <br>Open- - Due Diligence Vendor-03/12/2026 <br>Open- - Due Diligence Vendor-03/11/2026 <br>Open- - Due Diligence Vendor-03/11/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/12/2026 <br> Resolved-The loan's (8.185%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _808___ and the Final Closing disclosure on Pg#'s _284___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _findings____ An interior and exterior appraisal was completed for this property – see pg _18___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_931__ , and copy of the appraisal was given to the borrower – see Pg#'s __255__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/12/2026 <br> Resolved-. - Due Diligence Vendor-03/12/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861058 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-18 01:17 | 2026-02-24 04:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/24/2026 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 54.22 months, GL Requirement Min 2 months<br> Credit Score- Loan File 743, GL Requirement Min 700 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 54.22 months, GL Requirement Min 2 months<br> Credit Score- Loan File 743, GL Requirement Min 700 | Sod Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861058 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-23 06:40 | 2026-02-24 04:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial BPA received. - Due Diligence Vendor-02/24/2026 <br>Resolved-Initial BPA received. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Initial BPA executed at initial application. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 | Resolved-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial BPA received. - Due Diligence Vendor-02/24/2026 <br> Resolved-Initial BPA received. - Due Diligence Vendor-02/24/2026 |  |  | Sod BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861058 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-18 02:40 | 2026-02-24 03:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated HUD reflecting Settlement Date as xxxxxx. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Revised HUD attached. - Seller-02/23/2026 <br> Open-HUD settlement date xxxxxx is incorrect. Provided updated HUD reflecting Settlement Date xxxxxx. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Revised HUD attached. - Seller-02/23/2026 | Resolved-Updated HUD reflecting Settlement Date as xxxxxx. - Due Diligence Vendor-02/24/2026 |  |  | Revised HUD-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861303 | xxxxxx | C A | Closed | xxxxxx | 2026-03-16 06:15 | 2026-03-18 16:13 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Waiver received. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see waiver for the 3 days right of rescission. - Buyer-03/17/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open-The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The loan disbursement date is xxxxxx, but the calculated Right to Cancel expiration date is xxxxxx. Regulation Z requires that funds cannot be disbursed until the rescission period ends. However, a waiver of the three-day Right of Rescission has been provided on page 419, allowing disbursement prior to the standard expiration date. - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 |  | Resolved-Waiver received. - Due Diligence Vendor-03/18/2026 |  |  | Warehouse Lending - Activity and New Loan Report (xxxxxx).pdf<br> Pages from SHIPPING PACKAGE (28).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861821 | xxxxxx | D A | Closed | xxxxxx | 2026-03-25 04:33 | 2026-03-31 04:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Non-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 page 444 and the Final Closing disclosure on page 240 reflects escrows. Rate lock date was entered correctly – see page 497. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 567 and copy of the appraisal was given to the borrower – see page 517, 518. The loan meets HPML guidelines. - Due Diligence Vendor-03/31/2026 <br> Open-The loan's (8.878%) APR equals or exceeds the Federal HPML threshold of (8.52%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.02%). The System applied this threshold because this (xxxxxx) loan exceeds (xxxxxx), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) . - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 <br> Rescinded-The loan's (8.895%) APR equals or exceeds the Federal HPML threshold of (8.52%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.02%). The System applied this threshold because this (xxxxxx) loan exceeds (xxxxxx), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) Erroneously performed xxxxxx. Missing Initial CD - Due Diligence Vendor-03/25/2026 <br> Open- - Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/25/2026 |  | 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 page 444 and the Final Closing disclosure on page 240 reflects escrows. Rate lock date was entered correctly – see page 497. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 567 and copy of the appraisal was given to the borrower – see page xxxxxx. The loan meets HPML guidelines. - Due Diligence Vendor-03/31/2026 <br> Rescinded-The loan's (8.895%) APR equals or exceeds the Federal HPML threshold of (8.52%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.02%). The System applied this threshold because this (xxxxxx) loan exceeds (xxxxxx), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) Erroneously performed xxxxxx. Missing Initial CD - Due Diligence Vendor-03/25/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861821 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 09:12 | 2026-03-31 04:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and COC received - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Seller-03/30/2026 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/30/2026 | Resolved-Initial CD and COC received - Due Diligence Vendor-03/31/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862146 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 03:34 | 2026-04-03 01:08 | 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-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open-Per the GL 02.20.2026 page # 26 a clear fraud report is required. The fraud report in file (page # 251) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/03/2026 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862146 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 04:20 | 2026-04-01 04:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.2%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 314 and the Final Closing disclosure on Pg#'s 124-128 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353 An interior and exterior appraisal was completed for this property – see pg 65-75, the appraisal disclosure was provided to the borrower(s)- see Pg#'44-79 , and copy of the appraisal was given to the borrower – see Pg#'s 83 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-The loan's (8.2%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 314 and the Final Closing disclosure on Pg#'s 124-128 reflects escrows. Rate lock date was entered correctly – see Pg#'s 353 An interior and exterior appraisal was completed for this property – see pg 65-75, the appraisal disclosure was provided to the borrower(s)- see Pg#'44-79 , and copy of the appraisal was given to the borrower – see Pg#'s 83 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/01/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862198 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-28 20:17 | 2026-03-31 06:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception is for credit score being below minimum required - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-03/31/2026 <br>Open-Audited FICO of 623 is less than Guideline FICO of 660 Per the Bank Statement GL matrix, the minimum FICO requirement is 660; however, the audited FICO is 623. - Due Diligence Vendor-03/29/2026 |  | Waived-Exception is for credit score being below minimum required - Due Diligence Vendor-03/31/2026 | $121,665 reserves exceed the minimum required of $34,338 exceeds the minimum by 4 months over the required minimum.<br> Borrower has been employed at current job for 21 years. | $121,665 reserves exceed the minimum required of $34,338 exceeds the minimum by 4 months over the required minimum.<br> Borrower has been employed at current job for 21 years. | xxxxxx Exception LTV.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862198 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-28 22:31 | 2026-03-30 11:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.268%) equals or exceeds the xxxxxx HPML threshold of (7.52%). 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 (6.02%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #542 and the Final Closing disclosure on Pg #187 reflects escrows. Rate lock date was entered correctly – see Pg #581 An interior and exterior appraisal was completed for this property – see Pg #45-63, the appraisal disclosure was provided to the borrower(s)- see Pg #75 and copy of the appraisal was given to the borrower – see Pg #29 for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/29/2026 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.268%) equals or exceeds the xxxxxx HPML threshold of (7.52%). 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 (6.02%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #542 and the Final Closing disclosure on Pg #187 reflects escrows. Rate lock date was entered correctly – see Pg #581 An interior and exterior appraisal was completed for this property – see Pg #45-63, the appraisal disclosure was provided to the borrower(s)- see Pg #75 and copy of the appraisal was given to the borrower – see Pg #29 for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan. - Due Diligence Vendor-03/31/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862198 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-28 22:31 | 2026-03-28 22:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.268%) APR equals or exceeds the Federal HPML threshold of (7.52%). 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 (6.02%).(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 #542 and the Final Closing disclosure on Pg #187 reflects escrows. Rate lock date was entered correctly – see Pg #581 An interior and exterior appraisal was completed for this property – see Pg #45-63, the appraisal disclosure was provided to the borrower(s)- see Pg #75 and copy of the appraisal was given to the borrower – see Pg #80, 169 for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan. - Due Diligence Vendor-03/30/2026 <br>Open- - Due Diligence Vendor-03/29/2026 |  | Resolved-The loan's (8.268%) APR equals or exceeds the Federal HPML threshold of (7.52%). 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 (6.02%).(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 #542 and the Final Closing disclosure on Pg #187 reflects escrows. Rate lock date was entered correctly – see Pg #581 An interior and exterior appraisal was completed for this property – see Pg #45-63, the appraisal disclosure was provided to the borrower(s)- see Pg #75 and copy of the appraisal was given to the borrower – see Pg #80, 169 for the copy of the disclosure. This loan passes HPML guidelines and is a HPML compliant loan. - Due Diligence Vendor-03/30/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862283 | xxxxxx | A | Closed | xxxxxx | 2026-03-11 02:50 | 2026-03-11 13:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.192%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 325 and the Final Closing disclosure on Pg#'s 124 reflects escrows. Rate lock date was entered correctly – see Pg#'s 379 An interior and exterior appraisal was completed for this property – see pg 44 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 497-498 and copy of the appraisal was given to the borrower – see Pg#'s 100, for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-03/11/2026 <br>Open- - Due Diligence Vendor-03/11/2026 <br>Open- - Due Diligence Vendor-03/11/2026 <br>Open- - Due Diligence Vendor-03/11/2026 <br>Open- - Due Diligence Vendor-03/11/2026 |  | Resolved-The loan's (9.192%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 325 and the Final Closing disclosure on Pg#'s 124 reflects escrows. Rate lock date was entered correctly – see Pg#'s 379 An interior and exterior appraisal was completed for this property – see pg 44 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 497-498 and copy of the appraisal was given to the borrower – see Pg#'s 100, for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-03/11/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862302 | xxxxxx | C A | Closed | xxxxxx | 2026-03-17 13:08 | 2026-03-20 06:16 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 18 with correct FICO score received - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. Per Matrix, when qualifying income is equal for all borrowers the highest representative score is used to determine the overall loan qualifying score. 1008 reflects FICO 697; however, High Mid score is 702. Provide updated 1008 with updated FICO score - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 | Resolved-Updated 18 with correct FICO score received - Due Diligence Vendor-03/20/2026 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862302 | xxxxxx | C A | Closed | xxxxxx | 2026-03-17 02:15 | 2026-03-20 06:13 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.248%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(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 in FIndings and the Final Closing disclosure on page 340 reflects escrows. Rate lock date was entered correctly – see page 641. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 729 and copy of the appraisal was given to the borrower on page 667. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-See other condition. - Seller-03/19/2026 <br> Open-The loan's (8.248%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(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 Missing and the Final Closing disclosure on page 340 reflects escrows. Rate lock date was entered correctly – see page 641. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 729 and copy of the appraisal was given to the borrower on page 667. The loan does not meets HPML guidelines. Provide Initial Escrow Account Disclosure - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 | Ready for Review-See other condition. - Seller-03/19/2026 | Resolved-The loan's (8.248%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(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 in FIndings and the Final Closing disclosure on page 340 reflects escrows. Rate lock date was entered correctly – see page 641. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 729 and copy of the appraisal was given to the borrower on page 667. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862302 | xxxxxx | C A | Closed | xxxxxx | 2026-03-17 02:24 | 2026-03-20 00:23 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-IEAD doc provided. Resolved<br> - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Provide Initial Escrow Account Disclosure - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 | Resolved-IEAD doc provided. Resolved<br> - Due Diligence Vendor-03/20/2026 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862303 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 10:42 | 2026-04-03 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-1003 Section 8 nor the borrower's ID reflects the country that the borrower is "FROM". Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements or provide exception - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 | 62.24% LTV is below the maximum 80% LTV by 17.76%.<br> 12.84 months reserves exceed the minimum required of 3 months and exceeds the minimum by 9.84 months over the required minimum.<br> Borrower has $6,395 residual income after all expenses. Minimum required per guideline is $1,500.<br>| 62.24% LTV is below the maximum 80% LTV by 17.76%.<br> 12.84 months reserves exceed the minimum required of 3 months and exceeds the minimum by 9.84 months over the required minimum.<br> Borrower has $6,395 residual income after all expenses. Minimum required per guideline is $1,500.<br>| xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862303 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 10:47 | 2026-04-01 04:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD and related COC - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 | Resolved- Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-04/01/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862303 | xxxxxx | D A | Closed | xxxxxx | 2026-03-29 00:34 | 2026-04-01 04:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Complete PUD Rider receieved - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Document Uploaded. - Seller-03/31/2026 <br>Open-PUD Rider is Missing Page 1 of PUD Rider is missing. Provide complete PUD Rider - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 | Resolved-Complete PUD Rider receieved - Due Diligence Vendor-04/01/2026 |  |  | PUD Rider.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862304 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 03:12 | 2026-04-06 04:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Per Flood Cert-Community not mapped. Rare but this happens on some flood certs. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Community not mapped. Rare but this happens on some flood certs. - Seller-04/03/2026 <br> Open-Flood Certificate is Partially Provided Flood zone and xxxxxx Date not available on Flood Certificate. Provide updated Flood Certificate - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Community not mapped. Rare but this happens on some flood certs. - Seller-04/03/2026 | Resolved-Per Flood Cert-Community not mapped. Rare but this happens on some flood certs. - Due Diligence Vendor-04/06/2026 |  |  | Flood Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862304 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 00:35 | 2026-04-03 11:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-<br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 238-239 and the Final Closing disclosure on Pg#'s 62-66 reflects escrows. Rate lock date was entered correctly – see Pg#'s 258-259 An interior and exterior appraisal was completed for this property – see pg 19-39 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 306, and copy of the appraisal was given to the borrower – see Pg#'s 274 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/31/2026 <br> Resolved-The loan's (8.141%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Resolved-<br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 238-239 and the Final Closing disclosure on Pg#'s 62-66 reflects escrows. Rate lock date was entered correctly – see Pg#'s 258-259 An interior and exterior appraisal was completed for this property – see pg 19-39 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 306, and copy of the appraisal was given to the borrower – see Pg#'s 274 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/31/2026 <br> Resolved-The loan's (8.141%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/03/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862305 | xxxxxx | A | Closed | xxxxxx | 2026-04-02 05:51 | 2026-04-06 12:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.638%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 364-365 and the Final Closing disclosure on Pg#'s 193-197 reflects escrows. Rate lock date was entered correctly – see Pg#'s 380-381 An interior and exterior appraisal was completed for this property – see pg 24-51 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 463, and copy of the appraisal was given to the borrower – see Pg#'s 170-171 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/02/2026 <br>Open- - Due Diligence Vendor-04/06/2026 <br>Open- - Due Diligence Vendor-04/02/2026 <br>Open- - Due Diligence Vendor-04/02/2026 |  | Resolved-The loan's (7.638%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 364-365 and the Final Closing disclosure on Pg#'s 193-197 reflects escrows. Rate lock date was entered correctly – see Pg#'s 380-381 An interior and exterior appraisal was completed for this property – see pg 24-51 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 463, and copy of the appraisal was given to the borrower – see Pg#'s 170-171 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/02/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862306 | xxxxxx | C A | Closed | xxxxxx | 2026-04-09 05:10 | 2026-04-13 12:37 | Resolved | 1 - Information C A | Credit | Guidelines | Loan file missing additional major consumer credit or mortgage account. | Resolved-Supplemental Credit Report received reflecting for the HELOC acct ending -2116 iao $900 - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-1003 page 650 reflects that HELOC iao $900 is for REO Investment; however, there is no supporting documentation. Provide supporting documentation/billing statement for the HELOC acct ending -2116 iao $900. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Supplemental Credit Report received reflecting for the HELOC acct ending -2116 iao $900 - Due Diligence Vendor-04/13/2026 |  |  | credit supplement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862306 | xxxxxx | C A | Closed | xxxxxx | 2026-04-08 04:01 | 2026-04-08 11:12 | Resolved | 1 - Information A | Compliance | xxxxxx | AbilityToRepay: QMPointsAndFees | Resolved-The loan fees (xxxxxx) exceed the (QM) (Note Amount >=xxxxxx) fee limit, which is 3% of the Total Loan Amount (xxxxxx), the difference is (xxxxxx). (12 CFR 1026.43(e)(3). Non QM loan - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-The loan fees (xxxxxx) exceed the (QM) (Note Amount >=xxxxxx) fee limit, which is 3% of the Total Loan Amount (xxxxxx), the difference is (xxxxxx). (12 CFR 1026.43(e)(3). Non QM loan - Due Diligence Vendor-04/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862307 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862308 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862309 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 05:38 | 2026-03-13 04:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-income calculator, 1008, and 1003 provided using 01/2026 and 02/2026, resolved. - Due Diligence Vendor-03/13/2026 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-Borrower 1 Business Bank Statements Missing Missing Jan 2025 & Feb 2025 Bank statement for account ending in 8156. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 | Resolved-income calculator, 1008, and 1003 provided using 01/2026 and 02/2026, resolved. - Due Diligence Vendor-03/13/2026 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/13/2026 |  |  | xxxxxx UW Notes.pdf<br> xxxxxx 1008.pdf<br> 12 mo Bank Calc- xxxxxx- 100% Owner & 50% Exp = $15,487.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862309 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 01:24 | 2026-03-13 04:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan's (8.093%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 331-332 and the Final Closing disclosure on Pg#'s 203-207 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360-361 An interior and exterior appraisal was completed for this property – see pg 20-61 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 412, and copy of the appraisal was given to the borrower – see Pg#'s 231 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-03/13/2026 <br> Resolved-The loan's (8.093%) APR equals or exceeds the Federal HPML threshold of (7.6%). 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 (6.1%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 331-332 and the Final Closing disclosure on Pg#'s 203-207 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360-361 An interior and exterior appraisal was completed for this property – see pg 20-61 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 412, and copy of the appraisal was given to the borrower – see Pg#'s 231 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/12/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862309 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 01:24 | 2026-03-13 04:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/13/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx xxxxxx, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.093%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.6%). 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 (6.1%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 331-332 and the Final Closing disclosure on Pg#'s 203-207 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360-361 An interior and exterior appraisal was completed for this property – see pg 20-61 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 412, and copy of the appraisal was given to the borrower – see Pg#'s 231 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-03/13/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.093%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.6%). 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 (6.1%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 331-332 and the Final Closing disclosure on Pg#'s 203-207 reflects escrows. Rate lock date was entered correctly – see Pg#'s 360-361 An interior and exterior appraisal was completed for this property – see pg 20-61 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 412, and copy of the appraisal was given to the borrower – see Pg#'s 231 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-03/12/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862310 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-30 04:22 | 2026-04-08 09:37 | Waived | 2 - Non-Material B | Credit | Doc Issue | Missing asset documentation (ATR) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 <br> Waived-Exception page 656<br> Exception Reason - Min Borrower Contribution - Loan File 9.75% of sales price, GL Requirement 10% of sales price<br> Bwrs have paid EMD $4,000 plus closing cash $36,008 totals $40,008. Bwrs are short < $1,000 to meet their required<br> 10%<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/30/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 <br> Waived-Exception page 656<br> Exception Reason - Min Borrower Contribution - Loan File 9.75% of sales price, GL Requirement 10% of sales price<br> Bwrs have paid EMD $4,000 plus closing cash $36,008 totals $40,008. Bwrs are short < $1,000 to meet their required<br> 10%<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/30/2026 | DTI is 37.88%. Maximum allowed per guidelines is 50%.<br> Credit Score is 796. Minimum required per guidelines is 700.<br> Residual Income is $4439.64. Minimum Residual Income required per guidelines is $1500. <br> Tradelines exceed min- 1 for 79 mo; 1 for 45 months and 1 for 13 mo, GL Requirement 3 for 12 mo or 2 for 18 mo<br> Job Stability - Loan File B1 11 yrs / B2 3 yrs, GL Requirement 2 yrs<br>| DTI is 37.88%. Maximum allowed per guidelines is 50%.<br> Credit Score is 796. Minimum required per guidelines is 700.<br> Residual Income is $4439.64. Minimum Residual Income required per guidelines is $1500. <br> Tradelines exceed min- 1 for 79 mo; 1 for 45 months and 1 for 13 mo, GL Requirement 3 for 12 mo or 2 for 18 mo<br> Job Stability - Loan File B1 11 yrs / B2 3 yrs, GL Requirement 2 yrs<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862310 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-30 13:11 | 2026-04-03 05:50 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Loan does not conform to program guidelines 1003 Section 8 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements or provide exception - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 | DTI is 37.88%. Maximum allowed per guidelines is 50%.<br> Credit Score is 796. Minimum required per guidelines is 700.<br> Residual Income is $4439.64. Minimum Residual Income required per guidelines is $1500. <br> Tradelines exceed min- 1 for 79 mo; 1 for 45 months and 1 for 13 mo, GL Requirement 3 for 12 mo or 2 for 18 mo<br> Job Stability - Loan File B1 11 yrs / B2 3 yrs, GL Requirement 2 yrs<br>| DTI is 37.88%. Maximum allowed per guidelines is 50%.<br> Credit Score is 796. Minimum required per guidelines is 700.<br> Residual Income is $4439.64. Minimum Residual Income required per guidelines is $1500. <br> Tradelines exceed min- 1 for 79 mo; 1 for 45 months and 1 for 13 mo, GL Requirement 3 for 12 mo or 2 for 18 mo<br> Job Stability - Loan File B1 11 yrs / B2 3 yrs, GL Requirement 2 yrs<br>| xxxxxx xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862310 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-30 11:28 | 2026-04-01 05:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Worksheet, 1003 and 1008 received with income iao $2784.60. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 | Resolved-Updated Lender Worksheet, 1003 and 1008 received with income iao $2784.60. - Due Diligence Vendor-04/01/2026 | 1003 and 1008 reflect qualifying income iao $2864.54; however, income worksheet in the loan file reflects $2,867.07. Provide update income worksheet that reflects $2,864.54 | 1003 and 1008 reflect qualifying income iao $2864.54; however, income worksheet in the loan file reflects $2,867.07. Provide update income worksheet that reflects $2,864.54 | CO-Bwr income calc.pdf<br> xxxxxx 1008.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862311 | xxxxxx | D A | Closed | xxxxxx | 2026-03-19 04:35 | 2026-03-23 04:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-UW notes received in placed of lender worksheet. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. UW calculated on UW notes. - Seller-03/20/2026 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Worksheet / Income Calculator - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. UW calculated on UW notes. - Seller-03/20/2026 | Resolved-UW notes received in placed of lender worksheet. - Due Diligence Vendor-03/23/2026 |  |  | UW Notes.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862314 | xxxxxx | A | Closed | xxxxxx | 2026-03-31 04:25 | 2026-04-02 07:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.164%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 507-508 and the Final Closing disclosure on Pg#'s 364-368 reflects escrows. Rate lock date was entered correctly – see Pg#'s 524-525 An interior and exterior appraisal was completed for this property – see pg 28-70 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 582, and copy of the appraisal was given to the borrower – see Pg#'s 230 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Resolved-The loan's (8.164%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 507-508 and the Final Closing disclosure on Pg#'s 364-368 reflects escrows. Rate lock date was entered correctly – see Pg#'s 524-525 An interior and exterior appraisal was completed for this property – see pg 28-70 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 582, and copy of the appraisal was given to the borrower – see Pg#'s 230 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/31/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862315 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 07:51 | 2026-04-09 12:30 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualifications do not meet requirements | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/09/2026 <br> Waived-Asset Qualification Does Not Meet Guideline Requirements Exception Document on # 337. Borrower has 5.89 months verified reserves which is less than the required 6 months.<br>Exception for Min Subject Months Reserves. - Due Diligence Vendor-04/09/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/09/2026 <br> Waived-Asset Qualification Does Not Meet Guideline Requirements Exception Document on # 337. Borrower has 5.89 months verified reserves which is less than the required 6 months.<br>Exception for Min Subject Months Reserves. - Due Diligence Vendor-04/09/2026 | 38.072% DTI is below the maximum 50% DTI by 11.928%.<br> 773 Representative credit score exceeds the minimum required of 700 by 73 points.<br> Borrower has $4,573 residual income after all expenses. Minimum required per guideline is $1,800.<br>| 38.072% DTI is below the maximum 50% DTI by 11.928%.<br> 773 Representative credit score exceeds the minimum required of 700 by 73 points.<br> Borrower has $4,573 residual income after all expenses. Minimum required per guideline is $1,800.<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 862315 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 07:37 | 2026-03-18 13:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.722%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(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, and loan information is on Pg# 313 and the Final Closing disclosure on Pg# 83 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 339, An interior and exterior appraisal was completed for this property – see pg#41, the appraisal disclosure was provided to the borrower(s)- see Pg#469and confirmation the appraisal was delivered to the borrower – see Pg#'170s The loan meets HPML guidelines. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-The loan's (7.722%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(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, and loan information is on Pg# 313 and the Final Closing disclosure on Pg# 83 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 339, An interior and exterior appraisal was completed for this property – see pg#41, the appraisal disclosure was provided to the borrower(s)- see Pg#469and confirmation the appraisal was delivered to the borrower – see Pg#'170s The loan meets HPML guidelines. - Due Diligence Vendor-03/17/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862318 | xxxxxx | C A | Closed | xxxxxx | 2026-03-20 00:14 | 2026-05-04 10:19 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/04/2026 <br> Open-The loan's (9.213%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 325 and the Final Closing disclosure on page 169 reflects escrows. Rate lock date was entered correctly – see page 355. An interior and exterior appraisal was completed for this property – see page 31, the appraisal disclosure was provided to the borrower(s)- see page 392 and copy of the appraisal was given to the borrower – see page 403. The loan meets HPML guidelines - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-03/24/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862319 | xxxxxx | A | Closed | xxxxxx | 2026-03-13 03:51 | 2026-03-16 08:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.107%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 358-359 and the Final Closing disclosure on Pg#'s 192-196 reflects escrows. Rate lock date was entered correctly – see Pg#'s 381, 382 An interior and exterior appraisal was completed for this property – see pg 38-69 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 428, and copy of the appraisal was given to the borrower – see Pg#'s 266 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/16/2026 <br> Open- - Due Diligence Vendor-03/13/2026 |  | Resolved-The loan's (8.107%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 358-359 and the Final Closing disclosure on Pg#'s 192-196 reflects escrows. Rate lock date was entered correctly – see Pg#'s 381, 382 An interior and exterior appraisal was completed for this property – see pg 38-69 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 428, and copy of the appraisal was given to the borrower – see Pg#'s 266 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862322 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 04:51 | 2026-03-19 14:14 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-The loan's (8.427%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (5.98%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Waived-The loan's (8.427%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (5.98%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. - Due Diligence Vendor-03/17/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 862322 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 04:51 | 2026-03-19 14:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.427%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#425 and the Final Closing disclosure on Pg# 240 reflects escrows. Rate lock date was entered correctly see Pg.'s 464 An interior and exterior appraisal was completed for this property – see pg. 31 the appraisal disclosure was provided to the borrower(s)- see Pg#'595 and copy of the appraisal was given to the borrower see Pg#595 The loan meets HPML guidelines." <br> - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-The loan's (8.427%) APR equals or exceeds the Federal HPML threshold of (7.48%). 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 (5.98%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#425 and the Final Closing disclosure on Pg# 240 reflects escrows. Rate lock date was entered correctly see Pg.'s 464 An interior and exterior appraisal was completed for this property – see pg. 31 the appraisal disclosure was provided to the borrower(s)- see Pg#'595 and copy of the appraisal was given to the borrower see Pg#595 The loan meets HPML guidelines." <br> - Due Diligence Vendor-03/17/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862323 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-13 04:31 | 2026-03-20 06:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 <br> Open-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.498%) equals or exceeds the xxxxxx HPML threshold of (7.49%). 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 (5.99%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-03/13/2026 |  | 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 page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862323 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-13 04:31 | 2026-03-20 06:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 <br> Open-The loan's (8.498%) APR equals or exceeds the Federal HPML threshold of (7.49%). 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 (5.99%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-03/13/2026 |  | 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 page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 361 and the Final Closing disclosure on page 167 reflects escrows. Rate lock date was entered correctly – see page 387. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 432 and copy of the appraisal was given to the borrower – see page 154. The loan meets HPML guidelines. - Due Diligence Vendor-03/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862323 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-13 04:21 | 2026-03-19 15:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Confirmed with Compliance and Legal that there is no waiting period to correct fees, date is acceptable. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. The buyers and sellers agreed to an additional $850 credit to the buyer for a total credit of $23,350. Lastly, the seller agreed to pay an additional of $150 towards the HW for a total of $900. The HW is $940 so the buyer will pay the difference through escrow. So there was a reduction in costs, but disbursement was always going to be on xxxxxx. CD printed xxxxxx but looks like borrower still dated xxxxxx. - Seller-03/17/2026 <br> Open-TRID: Missing Closing Disclosure The Final CD is printed dated, and signed by the borrower on xxxxxx and then there is a PCCD printed on xxxxxx 02:40PM PST; however, the borrower signed the PCCD on xxxxxx not xxxxxx. Provide clarification. and supporting documentation for the PCCD. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. The buyers and sellers agreed to an additional $850 credit to the buyer for a total credit of $23,350. Lastly, the seller agreed to pay an additional of $150 towards the HW for a total of $900. The HW is $940 so the buyer will pay the difference through escrow. So there was a reduction in costs, but disbursement was always going to be on xxxxxx. CD printed xxxxxx but looks like borrower still dated xxxxxx. - Seller-03/17/2026 | Ready for Review-Document Uploaded. The buyers and sellers agreed to an additional $850 credit to the buyer for a total credit of $23,350. Lastly, the seller agreed to pay an additional of $150 towards the HW for a total of $900. The HW is $940 so the buyer will pay the difference through escrow. So there was a reduction in costs, but disbursement was always going to be on xxxxxx. CD printed xxxxxx but looks like borrower still dated xxxxxx. - Seller-03/17/2026 |  |  | Addendum.pdf<br> xxxxxx.pdf<br> Docs printed 3 6.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862323 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-11 05:22 | 2026-03-13 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD and related COC received. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 | Resolved-Initial CD and related COC received. - Due Diligence Vendor-03/13/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862323 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-12 07:44 | 2026-03-13 03:58 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved- Settlement Statement for the Sale Proceeds iao xxxxxx that were deposited on 2/13/2026 received. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-Provide a copy of the Settlement Statement for the Sale Proceeds iao xxxxxx that were deposited on 2/13/2026. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 | Resolved- Settlement Statement for the Sale Proceeds iao xxxxxx that were deposited on 2/13/2026 received. - Due Diligence Vendor-03/13/2026 |  |  | Settlement Statement _ xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862324 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862325 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862326 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 05:43 | 2026-04-09 06:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated xxxxxx and related COC received. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026 | Resolved-Initial CD dated xxxxxx and related COC received. - Due Diligence Vendor-04/09/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862465 | xxxxxx | D A | Closed | xxxxxx | 2026-03-20 07:16 | 2026-03-26 06:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Taxes are in line with first payment letter and DTI is actually lower then what is provided on the 1008 meets guidelines cleared finding - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. email from title supporting the amount on taxes being used - Seller-03/26/2026 <br> Open-Missing Evidence of Property Tax Per 1008 and lender calculation on page#273, monthly taxes are xxxxxx (or xxxxxx annually). However, final CD shows tax amount as xxxxxx. Provide proof of tax document validating this xxxxxx tax amount. Need updated 1008 to be in line with tax cert and first payment letter and docs to support monthly tax amount. <br> - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. email from title supporting the amount on taxes being used - Seller-03/26/2026 | Resolved-Taxes are in line with first payment letter and DTI is actually lower then what is provided on the 1008 meets guidelines cleared finding - Due Diligence Vendor-03/26/2026 |  |  | Tax Amount.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862684 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862701 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-31 08:26 | 2026-04-02 12:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved- Final SS - 2 gift wires totaling 67,600 - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Final SS - 2 gift wires totaling 67,600 - Seller-04/01/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements We have Gift funds $67,600 as per the F1003 & Gift letter on page#340 but proof document missing in file - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Final SS - 2 gift wires totaling 67,600 - Seller-04/01/2026 | Resolved- Final SS - 2 gift wires totaling 67,600 - Due Diligence Vendor-04/02/2026 |  |  | Final SS - 2 gift wires totaling 67,600.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862701 | xxxxxx | D A C | Closed | xxxxxx | 2026-03-30 08:07 | 2026-03-31 12:40 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 02/20/2026 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/31/2026 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862913 | xxxxxx | D A | Closed | xxxxxx | 2026-04-09 16:36 | 2026-04-14 05:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's received - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's received - Due Diligence Vendor-04/14/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862913 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 23:23 | 2026-04-14 05:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax certificate provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Missing Evidence of Property Tax Evidence of property tax is missing from loan file, need tax certificate with annual taxes of xxxxxx - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Requested tax certificate provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/14/2026 |  |  | Tax Sheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862913 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 23:23 | 2026-04-14 05:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested title document provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Title Document is missing Need title document with minimum coverage amount of xxxxxx. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Requested title document provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 <br> Resolved-Title Document is fully Present - Due Diligence Vendor-04/14/2026 |  |  | Updated title 263K.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862913 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 06:06 | 2026-04-14 05:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Resolved-The loan's (7.606%) APR equals or exceeds the Federal HPML threshold of (7.52%). 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 (6.02%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 282 and the Final Closing disclosure on Pg#'s 171, reflects escrows. Rate lock date was entered correctly – see Pg#'s 304. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 184. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026 <br> Resolved-The loan's (7.606%) APR equals or exceeds the Federal HPML threshold of (7.52%). 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 (6.02%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 282 and the Final Closing disclosure on Pg#'s 171, reflects escrows. Rate lock date was entered correctly – see Pg#'s 304. An interior and exterior appraisal was completed for this property – see pg 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 337, and confirmation the appraisal was delivered to the borrower – see Pg#'s 184. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863000 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 11:07 | 2026-03-26 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received confirmation that program utilized is asset depletion. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-xxxxxx only has asset utilization in program doc type - unable to change approval- it will reflect asset utilization and not asset depletion - Seller-03/24/2026 <br> Ready for Review-pls disregard and clear all conditions<br> - Seller-03/24/2026 <br> Counter-Please clarify loan program utilized. Per the loan approval the program used is the asset utilized. Commentary on the exception provided is showing the program is under asset depletion. Missing an updated loan approval stating asset depletion. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/22/2026 <br> Counter-Per the documentation provided asset utilization was utilized and counted into the DTI calculation. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-xxxxxx, they used cash out for reserves $382k. No assets used to qualify. - Buyer-03/18/2026 <br> Open-1008 Document is Missing Asset utilization is not counted into the DTI, missing updated 1008. - Due Diligence Vendor-03/13/2026 | Ready for Review-xxxxxx only has asset utilization in program doc type - unable to change approval- it will reflect asset utilization and not asset depletion - Seller-03/24/2026 <br> Ready for Review-pls disregard and clear all conditions<br> - Seller-03/24/2026 | Resolved-Received confirmation that program utilized is asset depletion. - Due Diligence Vendor-03/26/2026 |  |  | Exception xxxxxx.pdf<br> FIdelity April, May June.pdf<br> Fidelity July, Aug Setp.pdf<br> Am Eq 12 mos stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863000 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 11:05 | 2026-03-24 09:10 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Exception not required per guideline review. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-disregard exception - should be able to clear all conditions - Buyer-03/24/2026 <br> Counter-Please clarify exception provided, loan was initial uploaded under the E-Resi transaction and review to their guidelines, transaction id was switched to xxxxxx and went to xxxxxx program. 4 months assets required and exception would be void per the guidelines as only 4 months assets required. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/22/2026 <br> Counter-Loan qualified with asset utilization, missing required documentation per the guidelines. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-xxxxxx, they used cash out for reserves $382k. No assets used to qualify. - Buyer-03/18/2026 <br> Open-The most recent 6 months of account statements for all Qualified Assets are required. Balances of qualifying assets must be verified within 10 days of Note Date. <br> 1. Missing bank statements to total 6 months for assets.<br> 2. Missing bank statements within 10 days from the Note date. - Due Diligence Vendor-03/13/2026 |  | Resolved-Exception not required per guideline review. - Due Diligence Vendor-03/24/2026 |  |  | Exception xxxxxx.pdf<br> Am Eq 12 mos stmt.pdf<br> Fidelity July, Aug Setp.pdf<br> FIdelity April, May June.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863474 | xxxxxx | A | Closed | xxxxxx | 2026-03-26 10:02 | 2026-03-27 13:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.348%) APR equals or exceeds the Federal HPML threshold of (7.52%). 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 (6.02%).(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# 459 doc and the Final Closing disclosure on Pg# 229 reflects escrows. Rate lock date was entered correctly see Pg# 494 An interior and exterior appraisal was completed for this property – see Page# 22 the appraisal disclosure was provided to the borrower(s)- see Pg# 571, and copy of the appraisal was given to the borrower see Pg# 218 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/26/2026 |  | Resolved-The loan's (9.348%) APR equals or exceeds the Federal HPML threshold of (7.52%). 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 (6.02%).(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# 459 doc and the Final Closing disclosure on Pg# 229 reflects escrows. Rate lock date was entered correctly see Pg# 494 An interior and exterior appraisal was completed for this property – see Page# 22 the appraisal disclosure was provided to the borrower(s)- see Pg# 571, and copy of the appraisal was given to the borrower see Pg# 218 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-03/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863530 | xxxxxx | A | Closed | xxxxxx | 2026-04-09 07:43 | 2026-04-13 12:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.654%) equals or exceeds the xxxxxx HPML threshold of (7.62%). 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 (6.12%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 398 and the Final Closing disclosure on Pg#'s 179-183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#432. An interior and exterior appraisal was completed for this property – see pg 23-54, the appraisal disclosure was provided to the borrower(s)- see Pg#' 501 file and confirmation the appraisal was delivered to the borrower – see Pg#'s 162. The loan does meets HPML guidelines - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.654%) equals or exceeds the xxxxxx HPML threshold of (7.62%). 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 (6.12%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 398 and the Final Closing disclosure on Pg#'s 179-183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#432. An interior and exterior appraisal was completed for this property – see pg 23-54, the appraisal disclosure was provided to the borrower(s)- see Pg#' 501 file and confirmation the appraisal was delivered to the borrower – see Pg#'s 162. The loan does meets HPML guidelines - Due Diligence Vendor-04/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863530 | xxxxxx | A | Closed | xxxxxx | 2026-04-09 07:43 | 2026-04-13 12:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan's (7.654%) APR equals or exceeds the Federal HPML threshold of (7.62%). 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 (6.12%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 398 and the Final Closing disclosure on Pg#'s 179-183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#432. An interior and exterior appraisal was completed for this property – see pg 23-54, the appraisal disclosure was provided to the borrower(s)- see Pg#' 501 file and confirmation the appraisal was delivered to the borrower – see Pg#'s 162. The loan does meets HPML guidelines - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/13/2026 <br> Resolved-The loan's (7.654%) APR equals or exceeds the Federal HPML threshold of (7.62%). 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 (6.12%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 398 and the Final Closing disclosure on Pg#'s 179-183, Finding reflects escrows. Rate lock date was entered correctly – see Pg#432. An interior and exterior appraisal was completed for this property – see pg 23-54, the appraisal disclosure was provided to the borrower(s)- see Pg#' 501 file and confirmation the appraisal was delivered to the borrower – see Pg#'s 162. The loan does meets HPML guidelines - Due Diligence Vendor-04/09/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863534 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863950 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 05:36 | 2026-04-10 06:25 | 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-Corrected PCCD provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. - Seller-04/09/2026 <br> Open-On Final CD and Initial CD the Title - Closing/Escrow Fee and Title - Lender's Title Insurance has been moved to section B from section C, whereas the provider name is not matching with the Provide name on Service Provider List on pg#577 - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/09/2026 | Resolved-Corrected PCCD provided - Due Diligence Vendor-04/10/2026 |  |  | PCCD _ POST CONSUMMATION CD (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863951 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 22:29 | 2026-04-07 01:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Report dated no more than 10 calendar days prior to note date provided, updated & condition resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap credit report as its missing in file. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026 | Resolved-Gap Report dated no more than 10 calendar days prior to note date provided, updated & condition resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2026 |  |  | CREDIT REFRESH.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863954 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 03:32 | 2026-04-09 02:28 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated 1008 with updated primary housing expense & DTI provided, updated & condition resolved. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-DTI discrepancy is due to primary housing expense. U/W used total primary housing expense as $7,932.56 (PITI $7,073.96 and Taxes as xxxxxx), whereas per Mtg statement primary residence monthly payment as $7,073.96 which is inclusive of taxes and insurances. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026 | Resolved-Requested updated 1008 with updated primary housing expense & DTI provided, updated & condition resolved. - Due Diligence Vendor-04/09/2026 |  |  | 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863955 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 07:52 | 2026-04-07 05:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Title Document is Incomplete The title report provided does not state what the coverage is. The loan amount is xxxxxx. The coverage must be at least the xxxxxx. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/07/2026 |  |  | TITLE SUPPLEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863955 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 02:56 | 2026-04-07 05:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Permanent resident card was provided. - Due Diligence Vendor-04/07/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/05/2026 <br> Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide identification document missing in loan file for B2 - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/05/2026 | Resolved-Permanent resident card was provided. - Due Diligence Vendor-04/07/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/07/2026 |  |  | OTHER VALID PHOTO ID.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863955 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 02:56 | 2026-04-07 05:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Requested Photo Id provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/05/2026 <br> Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide identification document missing in loan file for B1 - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/05/2026 | Resolved-Requested Photo Id provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/06/2026 |  |  | OTHER VALID PHOTO ID (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863955 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 03:03 | 2026-04-06 02:50 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Requested loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Provide loan approval missing in loan file - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Requested loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 |  |  | APPROVAL CERTIFICATE (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863955 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 03:27 | 2026-04-06 02:49 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing proof of hazard insurance | Resolved-Requested Insurance provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/05/2026 <br> Open-Final CD, IEAD and payment letter reflects additional Hazard insurance with premium of xxxxxx per month (Annual-xxxxxx) however document is missing for same. Provide missing additional hazard insurance if any or updated final CD/IEAD/payment letter without additional hazard insurance premium - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/05/2026 | Resolved-Requested Insurance provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 |  |  | HAZARD INSURANCE - HO-3 (3).pdf<br>INSURANCE INVOICE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863956 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-06 10:58 | 2026-04-09 06:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved. Document received. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Counter-Please provide a borrower signed, revised Final 1003. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-The Final 1003 is Incomplete Provided final 1003 is reflecting as $437,648.59 , whereas calculated income per provided bank statements is $422,020.92 which is matching with U/W income calculations $422,020.92. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 | Resolved-Resolved. Document received. - Due Diligence Vendor-04/09/2026 |  |  | xxxxxx FINAL 1003.pdf<br> 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863956 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-06 13:56 | 2026-04-08 04:04 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested rent free Lox, Provided, updated & Condition Resolved - Due Diligence Vendor-04/08/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Require LOX from land owner stating borrower living rent free in primary residence. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 | Resolved-Requested rent free Lox, Provided, updated & Condition Resolved - Due Diligence Vendor-04/08/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 |  |  | LOE LIVING RENT FREE (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863957 | xxxxxx | A | Closed | xxxxxx | 2026-04-05 22:56 | 2026-04-06 15:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Non-Conforming) | Resolved-The loan's (8.89%) APR equals or exceeds the Federal HPML threshold of (8.62%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.12%). The System applied this threshold because this (xxxxxx) loan exceeds ($832,750.00), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) 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 All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 580 and the Final Closing disclosure on Pg#'s 401, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616. An interior and exterior appraisal was completed for this property – see pg 97, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 391, and confirmation the appraisal was delivered to the borrower – see Pg#'s 159.The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 |  | Resolved-The loan's (8.89%) APR equals or exceeds the Federal HPML threshold of (8.62%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.12%). The System applied this threshold because this (xxxxxx) loan exceeds ($832,750.00), which is the xxxxxx conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) 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 All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 580 and the Final Closing disclosure on Pg#'s 401, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 616. An interior and exterior appraisal was completed for this property – see pg 97, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 391, and confirmation the appraisal was delivered to the borrower – see Pg#'s 159.The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-04/06/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863958 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 02:07 | 2026-04-08 05:49 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received. System updated & xxxxxx passes. Resolved. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Counter-Settlement Statement received with an interest accrual start date of xxxxxx. However, since this is a Primary Residence subject to TRID rules, a Post-Close CD (PCCD) is required to coincide with the figures on this settlement statement. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-The loan disbursement date xxxxxx is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" xxxxxx. Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The disbursement date per the Final CD is xxxxxx,and this is before the Notice of Right to Cancel date of xxxxxx. The borrowers did not receive the full rescission period. - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 | Resolved-PCCD received. System updated & xxxxxx passes. Resolved. - Due Diligence Vendor-04/08/2026 |  |  | FINAL SETTLEMENT STATEMENT (1).pdf<br>PCCD _ POST CONSUMMATION CD (52).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863975 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863976 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 13:44 | 2026-04-07 07:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-Missing Evidence of Property Tax Documentation to support the monthly tax escrow payment of xxxxxx is missing from the loan file. Please provide documentation to support. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/07/2026 |  |  | PC Cert for tax cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863976 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 01:37 | 2026-04-07 02:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Escrow instructions are being used in lieu of Purchase contract as this is a FSBO sale, updated & condition resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing The fully executed purchase agreement is missing from the loan file. Please provide the contract. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026 | Resolved-Escrow instructions are being used in lieu of Purchase contract as this is a FSBO sale, updated & condition resolved. - Due Diligence Vendor-04/07/2026 <br> Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/07/2026 |  |  | PC Cert for sales contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863977 | xxxxxx | C A | Closed | xxxxxx | 2026-04-05 21:14 | 2026-04-08 07:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC received accounting for the Loan discount fee increased $0.24 less than $1. Loan discount fee increased from $2,188 to $2,188.24 - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: 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)). Loan discount fee increased $0.24 less than $1. Loan discount fee increased from $2,188 to $2,188.24 - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 | Resolved-COC received accounting for the Loan discount fee increased $0.24 less than $1. Loan discount fee increased from $2,188 to $2,188.24 - Due Diligence Vendor-04/08/2026 |  |  | LE LOCKED xxxxxx and SIGNED - disct pts $2188.24.pdf<br> COC dated xxxxxx - dsct pt $2188.24.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

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## Exhibit 99.24

**EXHIBIT 99.24**

**selene rating agency grades report**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 850708 | xxxxxx |  | xxxxxx C A B |
| 852099 | xxxxxx |  | xxxxxx A |
| 852100 | xxxxxx |  | xxxxxx A |
| 852191 | xxxxxx |  | xxxxxx D A B |
| 852238 | xxxxxx |  | xxxxxx C D A |
| 852418 | xxxxxx |  | xxxxxx D A B |
| 852745 | xxxxxx |  | xxxxxx A |
| 852814 | xxxxxx |  | xxxxxx D C A B |
| 852841 | xxxxxx |  | xxxxxx C A |
| 852900 | xxxxxx |  | xxxxxx B A |
| 853986 | xxxxxx |  | xxxxxx B A |
| 854092 | xxxxxx |  | xxxxxx A |
| 854179 | xxxxxx |  | xxxxxx A |
| 854553 | xxxxxx |  | xxxxxx A |
| 854655 | xxxxxx |  | xxxxxx A |
| 854657 | xxxxxx |  | xxxxxx C A B |
| 854789 | xxxxxx |  | xxxxxx A D |
| 855098 | xxxxxx |  | xxxxxx C A B |
| 855230 | xxxxxx |  | xxxxxx D A B |
| 856225 | xxxxxx |  | xxxxxx A |
| 856283 | xxxxxx |  | xxxxxx C A B |
| 856601 | xxxxxx |  | xxxxxx D A C B |
| 856653 | xxxxxx |  | xxxxxx C A B |
| 856813 | xxxxxx |  | xxxxxx C A B |
| 857068 | xxxxxx |  | xxxxxx C A B |
| 857075 | xxxxxx |  | xxxxxx A |
| 857076 | xxxxxx |  | xxxxxx A |
| 857080 | xxxxxx |  | xxxxxx A |
| 857306 | xxxxxx |  | xxxxxx A |
| 857565 | xxxxxx |  | xxxxxx C A |
| 857674 | xxxxxx |  | xxxxxx D A |
| 857683 | xxxxxx |  | xxxxxx D A |
| 858117 | xxxxxx |  | xxxxxx B A |
| 858574 | xxxxxx |  | xxxxxx C A |
| 858791 | xxxxxx |  | xxxxxx A |
| 859064 | xxxxxx |  | xxxxxx D A |
| 859088 | xxxxxx |  | xxxxxx A |
| 859473 | xxxxxx |  | xxxxxx D A |
| 859653 | xxxxxx |  | xxxxxx A |
| 859657 | xxxxxx |  | xxxxxx C D A |
| 860052 | xxxxxx |  | xxxxxx C A |
| 860167 | xxxxxx |  | xxxxxx C D A |
| 860168 | xxxxxx |  | xxxxxx A D |
| 860169 | xxxxxx |  | xxxxxx A D B |
| 860173 | xxxxxx |  | xxxxxx D A |
| 860174 | xxxxxx |  | xxxxxx D A |
| 860178 | xxxxxx |  | xxxxxx B D A |
| 860179 | xxxxxx |  | xxxxxx A C |
| 860186 | xxxxxx |  | xxxxxx C A B |
| 860187 | xxxxxx |  | xxxxxx A D C |
| 860188 | xxxxxx |  | xxxxxx D A |
| 860192 | xxxxxx |  | xxxxxx D A |
| 860194 | xxxxxx |  | xxxxxx C D A B |
| 860196 | xxxxxx |  | xxxxxx C A |
| 860197 | xxxxxx |  | xxxxxx D A |
| 860198 | xxxxxx |  | xxxxxx A D |
| 860200 | xxxxxx |  | xxxxxx A |
| 860201 | xxxxxx |  | xxxxxx C D A |
| 860202 | xxxxxx |  | xxxxxx A D |
| 860205 | xxxxxx |  | xxxxxx A |
| 860207 | xxxxxx |  | xxxxxx A D B |
| 860210 | xxxxxx |  | xxxxxx D A |
| 860211 | xxxxxx |  | xxxxxx A D B |
| 860212 | xxxxxx |  | xxxxxx A |
| 860213 | xxxxxx |  | xxxxxx A |
| 860214 | xxxxxx |  | xxxxxx A |
| 860216 | xxxxxx |  | xxxxxx A |
| 860217 | xxxxxx |  | xxxxxx A D |
| 860218 | xxxxxx |  | xxxxxx D A |
| 860219 | xxxxxx |  | xxxxxx A D |
| 860291 | xxxxxx |  | xxxxxx C A B |
| 860352 | xxxxxx |  | xxxxxx D A |
| 861015 | xxxxxx |  | xxxxxx A |
| 861016 | xxxxxx |  | xxxxxx A |
| 861020 | xxxxxx |  | xxxxxx C A B |
| 861021 | xxxxxx |  | xxxxxx B D A |
| 861024 | xxxxxx |  | xxxxxx A D |
| 861026 | xxxxxx |  | xxxxxx A |
| 861029 | xxxxxx |  | xxxxxx A |
| 861030 | xxxxxx |  | xxxxxx A D |
| 861038 | xxxxxx |  | xxxxxx A D |
| 861040 | xxxxxx |  | xxxxxx A |
| 861045 | xxxxxx |  | xxxxxx A D |
| 861058 | xxxxxx |  | xxxxxx D A B |
| 861303 | xxxxxx |  | xxxxxx A C |
| 861821 | xxxxxx |  | xxxxxx A D |
| 862146 | xxxxxx |  | xxxxxx C A |
| 862198 | xxxxxx |  | xxxxxx C A B |
| 862283 | xxxxxx |  | xxxxxx A |
| 862302 | xxxxxx |  | xxxxxx C A |
| 862303 | xxxxxx |  | xxxxxx D A |
| 862304 | xxxxxx |  | xxxxxx D A |
| 862305 | xxxxxx |  | xxxxxx A |
| 862306 | xxxxxx |  | xxxxxx C A |
| 862307 | xxxxxx |  | xxxxxx A |
| 862308 | xxxxxx |  | xxxxxx A |
| 862309 | xxxxxx |  | xxxxxx D A |
| 862310 | xxxxxx |  | xxxxxx D A B |
| 862311 | xxxxxx |  | xxxxxx D A |
| 862314 | xxxxxx |  | xxxxxx A |
| 862315 | xxxxxx |  | xxxxxx B A |
| 862318 | xxxxxx |  | xxxxxx A C |
| 862319 | xxxxxx |  | xxxxxx A |
| 862322 | xxxxxx |  | xxxxxx A B |
| 862323 | xxxxxx |  | xxxxxx C D A |
| 862324 | xxxxxx |  | xxxxxx A |
| 862325 | xxxxxx |  | xxxxxx A |
| 862326 | xxxxxx |  | xxxxxx A D |
| 862465 | xxxxxx |  | xxxxxx D A |
| 862684 | xxxxxx |  | xxxxxx A |
| 862701 | xxxxxx |  | xxxxxx C A D |
| 862913 | xxxxxx |  | xxxxxx D A |
| 863000 | xxxxxx |  | xxxxxx D A |
| 863474 | xxxxxx |  | xxxxxx A |
| 863530 | xxxxxx |  | xxxxxx A |
| 863534 | xxxxxx |  | xxxxxx A |
| 863950 | xxxxxx |  | xxxxxx A C |
| 863951 | xxxxxx |  | xxxxxx D A |
| 863954 | xxxxxx |  | xxxxxx C A |
| 863955 | xxxxxx |  | xxxxxx D A |
| 863956 | xxxxxx |  | xxxxxx C D A |
| 863957 | xxxxxx |  | xxxxxx A |
| 863958 | xxxxxx |  | xxxxxx A C |
| 863975 | xxxxxx |  | xxxxxx A |
| 863976 | xxxxxx |  | xxxxxx D A |
| 863977 | xxxxxx |  | xxxxxx A C |

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## Exhibit 99.25

**EXHIBIT 99.25**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 850708 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Final Appraisal document it is 2 Unit property. |
| 852099 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property Type is Townhouse verified from appraisal report. |
| 852814 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Occupied by owner | Property is single family detached, confirmed from Appraisal document |
| 852841 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | Property type is 3 unit verified from appraisal page 24. |
| 852841 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note page 378. |
| 852841 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doctype updated per loan program & documentation. |
| 854657 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Property Type as 4 units per Appraisal. |
| 854789 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 5 | Prepayment Penalty Type updated Correctly. |
| 854789 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doctype updated as per loan program and documentation. |
| 855230 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doc type selected based on loan approval document. |
| 855230 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.082 | 1.12 | The difference in originated DSCR and Calculated DSCR is 0.038, which is within the tolerance limit. |
| 856283 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | as per appraisal report property type is two to four unit with the semi detached where as tape data reflecting as attached |
| 856601 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Two to Four Unit | per primary valuation this is a multi fam home 7 units |
| 856601 | xxxxxx |  | xxxxxx | Number of Units | propertyValuationPage | 7 | 4 | per primary valuation this is a multi fam home 7 units |
| 856601 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Originator QM Status is ATR/QM: Exempt |
| 856813 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Confirmed loan type is DSCR per approval certificate. |
| 857068 | xxxxxx |  | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | 1931.13 | 1956.12 | Initial monthly P&I is verified per Note. |
| 857068 | xxxxxx |  | xxxxxx | Interest Rate | notePage | 6.625 | 6.7500 | Interest rate verified per Note. |
| 857068 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.129 | 1.118 | DSCR calculations: Gross Rental Amount $2,900/PITIA $2,569.18=1.129DSCR and matches DSCR Worksheet.<br> Rent Schedule is available on page 41 |
| 857076 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per appraisal it is 2 unit property. |
| 857565 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | the1003Page | Wholesale | Broker | Mortgage Origination Channel Confirmed. |
| 857565 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note Date Considered from Note document. |
| 857565 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | employmentIncomePage | NA | 46027 | Borrower 1 Executed 4506T Verified Yes |
| 857565 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1099 Verified | Full | Verified Doc Type Full Document. |
| 857565 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | employmentIncomePage | 3 - Stated, Partially Verified | 7175.77 | Borrower 1 Income Verification Level 1 Yr Confirmed. |
| 857565 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | assetPage | 54153.3 | 0.00 | Liquid Funds Post-Close Considered Final CD. |
| 857565 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | 3255.17 | 45.36 | Reviewed Total Monthly Liabilities Considered from Credit report. |
| 857683 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date updated as per the initial 1003 print date and signature date. xxxxxx is prior to the print date. |
| 857683 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 22.07 | 23.69 | DTI of 22.07% is due to using bank statement dated 01/31/2026 instead of 01/31/2025 which created higher income in the amount of $17,760.00. Received new 1003, income calculator, and 1008. |
| 857683 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.39 | 42.23 | DTI of 39.39% is due to using bank statement dated 01/31/2026 instead of 01/31/2025 which created higher income in the amount of $17,760.00. Received new 1003, income calculator, and 1008. |
| 858574 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Confirmed Property Type is Townhouse |
| 858574 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Confirmed Originator QM Status is ATR/QM: Exempt |
| 858791 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Property Type as 2 units per appraisal. |
| 859064 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date has been updated as xxxxxx per note document. |
| 859064 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full | Loan is qualified with 12 months bank statements and updated same. |
| 859064 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | employmentIncomePage | NA | 46020 | We have no executed 4506C in file and not required as loan qualified with business bank statements 4506C not required. |
| 859064 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | employmentIncomePage | 3 - Stated, Partially Verified | 12814.94 | Borrower income qualified with business bank statements, hence verification level has been updated as 3. |
| 859064 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 2 | borrower owns one property and it has mortgage account, hence no of mortgage properties updated as 1. |
| 859064 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | assetPage | 45112.76 | 3458.00 | Cash out amount used for reserves and the qualified amount is $45,112.76 |
| 859064 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | 6254.09 | 48.80 | Total monthly liabilities are updated as per latest CBR report. |
| 859473 | xxxxxx |  | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR per approval certificate. |
| 859473 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | the1003Page | Retail | Wholesale | Mortgage Origination Channel is Retail |
| 859473 | xxxxxx |  | xxxxxx | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Confirmed Originator Doc Type is DSCR |
| 859657 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | the1003Page | Wholesale | Correspondent | Loan originated under broker channel and updated the same. |
| 859657 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | employmentIncomePage | NA | 46012 | Borrower is not qualifying with 4506T hence updated as N/A. |
| 859657 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full | Borrower is qualifying with 12 months bank statement income hence updated as same. |
| 859657 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | employmentIncomePage | 3 - Stated, Partially Verified | 9360.74 | Borrower is qualifying with 12 months income alt doc hence Borrower 1 Income Verification Level is update as 3 - Stated, Partially Verified. |
| 859657 | xxxxxx |  | xxxxxx | Borrower 1 Origination TransUnion | creditLiabilitiesPage | 741 | 739 | Borrower 1 Origination xxxxxx is updated as per Credit report. |
| 859657 | xxxxxx |  | xxxxxx | Borrower 1 Origination Experian | creditLiabilitiesPage | 736 | 729 | Borrower 1 Origination xxxxxx is updated as per Credit report. |
| 859657 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | 4550.01 | 48.61 | Reviewed Total Monthly Liabilities updated as per Credit report |
| 860052 | xxxxxx |  | xxxxxx | Mortgage Origination Channel | the1003Page | Wholesale | Broker | Loan originated under broker channel and updated the same. |
| 860052 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note Date is updated as per Note Document. |
| 860052 | xxxxxx |  | xxxxxx | Borrower 1 Executed 4506T Verified | employmentIncomePage | NA | 46057 | Borrower is not qualifying with 4506T hence updated as N/A. |
| 860052 | xxxxxx |  | xxxxxx | Borrower 1 Income Verification Level | employmentIncomePage | 3 - Stated, Partially Verified | 15408.57 | Borrower is qualifying with 12 months income alt doc hence Borrower 1 Income Verification Level is update as 3 - Stated, Partially Verified. |
| 860052 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | assetPage | 45748.59 | 3328.72 | Liquid Funds Post-Close is updated as per CD Cash to close is used for Reserves. |
| 860052 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | 7390.48 | 47.96 | Reviewed Total Monthly Liabilities updated as per Credit report |
| 860167 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.61 | 44.56 | DTI variance is due to the decrease of monthly payment of acct -2439 from $27 to $25 and an increase in monthly payment for acct -8783 from $1.00 to $16.00. DTI remains less than guideline Max. 50%. |
| 860168 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 14.05 | 13.77 | HTI variance is due to the receipt of an updated Appraisal that reflects a HOA Fee iao $600/ yr or $50/month. HTI is within 1% tolerance. |
| 860168 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.78 | 18.51 | DTI variance is due to the receipt of an updated Appraisal that reflects a HOA Fee iao $600/ yr or $50/month. DTI is within 1% tolerance and remains less than 50% max per GL. |
| 860174 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.36 | 49.08 | DTI variance is due to the decrease in all other monthly payments Acct ending -0704 monthly payment amount decreased from $129 to $15 and is within 1% tolerance. |
| 860179 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 41.05 | 41.09 | HTI variance is due to HOA Fee. 1008 reflects $2.00 HOA Fee; however, Appraisal does not reflect $0.00 HOA Fee. |
| 860179 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.12 | 49.15 | DTI variance is due to HOA Fee. 1008 reflects $2.00 HOA Fee; however, Appraisal does not reflect $0.00 HOA Fee. |
| 860192 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Appraisal reflcts Property type is Two to Four units |
| 860198 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated Property type as PUD per appraisal. |
| 860200 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is Two to Four unit, verified Appraisal Report |
| 860202 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Loan Application date updated as per initial 1003 |
| 860205 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date captured as per 1003 |
| 860205 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Confirmed 2 Yr Full Doc |
| 860205 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 24.86 | 22.03 | Confirmed with taxes, matches 1008 |
| 860205 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.78 | 46.96 | Confirmed with taxes, matches 1008 |
| 860207 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.64 | 42.84 | All other monthly obligations $60 per the credit report however, 1008 is considering 85.00 in all other liabilities. |
| 860210 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Loan application date updated as reflected on initial 1003. |
| 860210 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.72 | 44.57 | DTI variance is due to All other monthly payment decreased from $337 per 1008 to $259 per credit report.. Raised Finding for Gap Credit Report. |
| 860217 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Verified 2 Yr Full Doc |
| 860217 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Lock date is on xxxxxx hence updated as xxxxxx |
| 860218 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per lock agreement |
| 860218 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 42.05 | 41.34 | HOA monthly dues $48.08 added in to HTI calculation, hence HTI mismatch |
| 860218 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.03 | 45.32 | HOA monthly dues $48.08 added in to DTI calculation, hence DTI mismatch |
| 860219 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date is captured from Initial 1003. |
| 860291 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Originator QM Status ATR/QM: Exempt |
| 860352 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date updated as per Note document. |
| 860352 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2260.36 | 2101.36 | True data has considered PITIA amount. Difference is the HOA amount |
| 861020 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Updated Property type as Townhome as reflected on the Appraisal. |
| 861029 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Attached | 3 unit per appraisal. |
| 861029 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 1.3 | Full Doc income transaction DSCR not applicable. |
| 861038 | xxxxxx |  | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Updated as reflected on Note in Findings. |
| 861038 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Updated as reflected on Note in Findings. |
| 861040 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date captured as per initial 1003 |
| 861303 | xxxxxx |  | xxxxxx | Originator Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC |  |
| 861303 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| 862146 | xxxxxx |  | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Borrower last name as per note is xxxxxx |
| 862146 | xxxxxx |  | xxxxxx | Interest Rate | notePage | 7.875 | 787.5000 | Interest rate updated as per Note document |
| 862146 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date is updated as per note document |
| 862146 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR 1099 | ALT DOC | NonDSCR Used for qualification hence document type updated as same |
| 862146 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | A+ | Non Agency NQM | Loan program updated from drop down, tape and true data values matches. |
| 862198 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Primary Appraised Property Value is $xxxxxx |
| 862302 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified with appraisal, property type is a 2 unit. |
| 862302 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 702 | 697 | Per Matrix, When qualifying income is equal for all borrowers the highest representative score is used to determine the overall loan qualifying score. Received updated 1008 with correct FICO 702. |
| 862306 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.35 | 47.49 | DTI variance is due to the pay off of acct ending -1607 page 181 from $41 to $0 per month and B2 Rental Income Loss - PITI iao $900 +$858= $1758 - Rental Income $1880 = -$122 which was not captured in the DTI. |
| 862307 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 760 | 749 | FICO score is 760- verified from Credit report. Credit report in file was reissued to ACC mortgage. Pull date was 12/5 originally. |
| 862307 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified per the appraisal report subject property is a 2 unit detached home. |
| 862308 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date updated as per Initial 1003 document. |
| 862308 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Underwriting Guideline Version Date is updated as xxxxxx Recent Drop Down. |
| 862309 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 13.71 | 14.66 | 13.71% is due to using the xxxxxx and xxxxxx bank statements. Received a new 1008, income calculator using a higher income of $15,487.00. |
| 862309 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.85 | 30.84 | All other monthly labilities $2,353 updated as per Credit report, 1008 updated $2,344, hence DTI mismatch |
| 862315 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Underwriting Guideline Version Date Considered from Drop down . |
| 862315 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Confirmed per income documents. |
| 862326 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 39.44 | 40.49 | HTI variance is due to Solar Lease payments iao $104.81. On the 1008, it is captured in Primary Housing Payment ; however, solar payments are captured in Credit Liabilities. |
| 862326 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.14 | 41.18 | DTI variance is due to the decrease in all other monthly payments. Tradeline ending 0001 decressed from$10 to $6. |
| 862465 | xxxxxx |  | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Updated as per Note document |
| 862465 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Income Qualifies with Wage |
| 862465 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Written Verification of Employment | ALT DOC | Income verified with WVOE |
| 862465 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3542.02 | 3486.60 | True data has considered PITIA amount |
| 862701 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | A+ | Non Agency NQM | Loan Program as per Loan Approval A+ Program consider the same. |
| 863000 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | Confirmed Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| 863534 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.34 | 34.30 | 1008 and Loan Approval reflect DTI 39.343% ,Calculated DTI is 39.343%. |
| 863534 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 25.3 | 20.25 | 1008 and Loan Approval reflect HTI 25.97% ,Calculated HTI is 25.3%. |

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## Exhibit 99.26

**EXHIBIT 99.26**

**selene atr qm detail**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 850708 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852099 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852100 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  |  |  |  | Yes | Yes | Yes | Present |
| 852191 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852238 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852418 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852745 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852814 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852841 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852900 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 853986 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 854092 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 854179 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 854553 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 854655 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 854657 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854789 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 855098 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855230 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856225 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 856283 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856601 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 856653 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856813 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 857068 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857075 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 857076 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857080 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857306 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857565 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3920.6 | Yes | Employed |  | No |  | No |  |
| 857674 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3319.36 | Yes | Employed |  | No |  | No |  |
| 857683 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10764.5 | Yes | Employed |  | No |  | No |  |
| 858117 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 858574 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 858791 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859064 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6560.85 | Yes | Employed |  | No |  | No |  |
| 859088 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 859473 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 859653 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859657 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4810.73 | Yes | Employed |  | No |  | No |  |
| 860052 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8018.09 | Yes | Employed |  | No |  | No |  |
| 860167 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14359.56 | Yes | Employed | Employed | No | No | No |  |
| 860168 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14894.13 | Yes | Employed |  | No |  | No |  |
| 860169 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39191.32 | Yes | Employed |  | No |  | No |  |
| 860173 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24004.27 | Yes | Employed |  | No |  | No |  |
| 860174 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8100.68 | Yes | Employed |  | No |  | No |  |
| 860178 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2862.78 | Yes | Employed |  | No |  | No |  |
| 860179 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2687.94 | Yes | Employed |  | No |  | No |  |
| 860186 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 116444.39 | Yes | Employed |  | No |  | No |  |
| 860187 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2458.64 | Yes | Employed |  | No |  | No |  |
| 860188 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7654.76 | Yes | Employed |  | No |  | No |  |
| 860192 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6781.37 | Yes | Employed |  | No |  | Yes | Present |
| 860194 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4270.58 | Yes | Employed |  | No |  | No |  |
| 860196 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57435.17 | Yes | Employed |  | No |  | No |  |
| 860197 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24148.93 | Yes | Employed |  | No |  | No |  |
| 860198 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25870.88 | Yes | Employed |  | No |  | No |  |
| 860200 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25956.39 | Yes | Employed |  | No |  | No |  |
| 860201 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6053.45 | Yes | Employed |  | No |  | No |  |
| 860202 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10487.89 | Yes | Employed |  | No |  | No |  |
| 860205 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3322.24 | Yes | Employed |  | No |  | No |  |
| 860207 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7456.05 | Yes | Employed |  | No |  | No |  |
| 860210 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5151.34 | Yes | Employed |  | No |  | No |  |
| 860211 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12694.05 | Yes | Employed |  | No |  | No |  |
| 860212 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9211.69 | Yes | Employed |  | No |  | No |  |
| 860213 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | No | Yes | N/A | Yes | Yes | Yes | 7495.99 | Yes | Employed |  | No |  | No |  |
| 860214 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52547.39 | Yes | Employed |  | No |  | No |  |
| 860216 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3247.6 | Yes | Employed |  | No |  | No |  |
| 860217 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3025.76 | Yes | Employed |  | No |  | No |  |
| 860218 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3646.08 | Yes | Employed |  | No |  | No |  |
| 860219 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3268.51 | Yes | Employed |  | No |  | No |  |
| 860291 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 860352 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6043.15 | Yes | Employed |  | No |  | No |  |
| 861015 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25158.84 | Yes | Employed |  | No |  | No |  |
| 861016 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11381.76 | Yes | Employed | Not Employed | No | No | No |  |
| 861020 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4517.31 | Yes | Employed |  | No |  | No |  |
| 861021 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2992.57 | Yes | Not Employed |  | No |  | No |  |
| 861024 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3575.98 | Yes | Employed |  | No |  | No |  |
| 861026 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22994.7 | Yes | Employed |  | No |  | Yes | Present |
| 861029 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7019.43 | Yes | Employed | Employed | No | No | No |  |
| 861030 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5834.27 | Yes | Employed |  | No |  | No |  |
| 861038 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12626.88 | Yes | Employed |  | No |  | No |  |
| 861040 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8114.49 | Yes | Employed |  | No |  | No |  |
| 861045 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 26899.56 | Yes | Employed | Not Employed | No | No | No |  |
| 861058 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861303 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7859.76 | Yes | Employed |  | No |  | No |  |
| 861821 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 217606.43 | Yes | Employed |  | No |  | No |  |
| 862146 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 3668.25 | Yes | Employed |  | No |  | No |  |
| 862198 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6242.14 | Yes | Employed |  | No |  | No |  |
| 862283 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7129.43 | Yes | Employed | Employed | No | No | No |  |
| 862302 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11813.86 | Yes | Employed | Employed | No | No | No |  |
| 862303 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6395.02 | Yes | Employed |  | No |  | No |  |
| 862304 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3782.51 | Yes | Employed | Not Employed | No | No | No |  |
| 862305 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9105.18 | Yes | Employed |  | No |  | No |  |
| 862306 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3629.75 | Yes | Employed | Employed | No | No | No |  |
| 862307 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6086.52 | Yes | Employed |  | No |  | No |  |
| 862308 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10343.41 | Yes | Employed |  | No |  | No |  |
| 862309 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11019.67 | Yes | Employed |  | No |  | No |  |
| 862310 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4439.64 | Yes | Employed | Employed | No | No | No |  |
| 862311 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2365.8 | Yes | Employed |  | No |  | No |  |
| 862314 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2160.67 | Yes | Employed |  | No |  | No |  |
| 862315 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4570.77 | Yes | Employed |  | No |  | No |  |
| 862318 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6891.43 | Yes | Employed |  | No |  | No |  |
| 862319 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21325.93 | Yes | Employed |  | No |  | No |  |
| 862322 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15326.16 | Yes | Employed |  | No |  | No |  |
| 862323 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7730.22 | Yes | Employed |  | No |  | No |  |
| 862324 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2303.76 | Yes | Employed |  | No |  | No |  |
| 862325 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 1870.23 | Yes | Employed |  | No |  | No |  |
| 862326 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5903.23 | Yes | Employed |  | No |  | No |  |
| 862465 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8116.98 | Yes | Employed | Not Employed | No | No | No |  |
| 862684 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5656.88 | Yes | Employed |  | No |  | No |  |
| 862701 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3477.08 | Yes | Employed |  | No |  | No |  |
| 862913 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3240.84 | Yes | Employed |  | No |  | No |  |
| 863000 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13998.45 | Yes | Retired |  | No |  | No |  |
| 863474 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7156.45 | Yes | Employed |  | No |  | No |  |
| 863530 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4832.24 | Yes | Employed | Employed | No | No | No |  |
| 863534 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5340.94 | Yes | Employed |  | No |  | No |  |
| 863950 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33530.01 | Yes | Employed |  | No |  | No |  |
| 863951 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36732.74 | Yes | Employed |  | No |  | No |  |
| 863954 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26263.88 | Yes | Employed |  | No |  | Yes | Present |
| 863955 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65151.19 | Yes | Employed | Not Employed | No | No | No |  |
| 863956 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 312225.68 | Yes | Employed |  | No |  | Yes | Present |
| 863957 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18178.47 | Yes | Employed |  | No |  | No |  |
| 863958 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59492.25 | Yes | Employed |  | No |  | No |  |
| 863975 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40264.34 | Yes | Employed |  | No |  | Yes | Present |
| 863976 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27230.1 | Yes | Employed |  | No |  | No |  |
| 863977 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9709.02 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**selene VALUATIONs REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 850708 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.85 | 68.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852099 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.87 | 65.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-15-2025 |
| 852100 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  |  |  |  | xxxxxx | 70 | 70 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852238 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | Other |  |  |  | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0152 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0152 | xxxxxx | No Risk Found | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852418 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852745 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.5 | 50.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 852814 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852841 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852900 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.63 | 50.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-13-2025 |
| 853986 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 11-17-2025 |
| 854092 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.34 | 69.34 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-11-2025 |
| 854179 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.47 | 48.47 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0588 | 12-08-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-10-2025 |
| 854553 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.67 | 42.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-24-2025 |
| 854655 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854657 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.62 | 37.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854789 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-04-2025 |
| 855098 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.81 | 63.81 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-17-2025 |
| 855230 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856225 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856283 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856601 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | Other |  |  |  | xxxxxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | 0.0 | .0000 | xxxxxx | 11-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856653 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 856813 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857068 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857075 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-10-2025 |
| 857076 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857080 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.38 | 51.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-17-2025 |
| 857306 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 857565 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857674 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-29-2025 |
| 857683 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.37 | 74.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 |
| 858117 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-16-2025 |
| 858574 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858791 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859064 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.96 | 76.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859088 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859473 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 |
| 859653 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859657 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860052 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.73 | 73.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 860167 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860168 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 |
| 860169 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.94 | 79.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860173 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 |
| 860174 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860178 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-19-2026 |
| 860179 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.53 | 50.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-06-2026 |
| 860186 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.86 | 64.86 | xxxxxx | xxxxxx | .2618 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .2618 | 12-22-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 860187 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.49 | 63.49 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860188 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.3 | 28.3 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860192 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.66 | 53.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 860196 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2026 |
| 860197 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-28-2026 |
| 860198 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 860200 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860201 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860202 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 860205 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.4 | 61.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-09-2026 |
| 860207 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 |
| 860210 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.23 | 71.23 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 860211 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860212 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 860213 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860214 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.71 | 60.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860216 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.49 | 71.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 860217 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.14 | 73.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 |
| 860218 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.76 | 53.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 860219 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 860291 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-30-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.04 | 37.04 | xxxxxx | xxxxxx | .0123 | Broker Price Opinion (BPO) Internal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxxx | .0123 | xxxxxx | 01-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860352 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-15-2026 |
| 861015 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.15 | 65.15 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 861016 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-10-2026 |
| 861020 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.97 | 75.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 861021 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-22-2026 |
| 861024 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 861026 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.05 | 54.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 861029 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.74 | 67.74 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861030 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LowRisk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861038 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 861040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.53 | 79.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861045 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861058 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 |
| 861303 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.54 | 39.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861821 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862146 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 862198 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.79 | 65.79 | xxxxxx | xxxxxx | -.0052 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0052 | xxxxxx | Low Risk | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862283 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.0 | 74.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 862302 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862303 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.24 | 62.24 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 862304 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 |
| 862305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862306 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.8 | 79.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 862307 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.83 | 60.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862308 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.64 | 38.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862309 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-12-2026 |
| 862310 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LowRisk | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862311 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-17-2026 |
| 862314 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2026 |
| 862315 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862318 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 862319 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 862322 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-27-2026 |
| 862323 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-27-2026 |
| 862324 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.0 | 73.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 |
| 862325 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.41 | 72.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate risk | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862326 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862465 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 862684 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 862701 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-10-2026 |
| 862913 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.14 | 75.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 863000 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.31 | 42.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863474 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 863530 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.49 | 63.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 863534 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863950 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.91 | 78.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863951 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.04 | 61.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-08-2026 |
| 863954 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.57 | 69.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 863955 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 863956 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863957 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 Eligible |  |  |
| 863958 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.75 | 49.75 | xxxxxx | xxxxxx | -.0001 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .1207 | 02-13-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0001 | xxxxxx | Moderate Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863975 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0145 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0145 | 03-05-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863976 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.75 | 68.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 863977 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.05 | 55.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**SELENE MULTI PROPERTY Valuation Report**

Rating Agency Multi-Property Valuation Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| 852191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.29

**EXHIBIT 99.29**

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

![](tm2615156d1_ex99-29img001.jpg)

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**May 19, 2026<br> Due Diligence Narrative Report**![](tm2615156d1_ex99-29img001.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | 3 |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | 3 |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | 7 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **12** |
| **Appendix B: Origination Appraisal Assessment** | **15** |
| **Appendix C: Regulatory Compliance Review Scope** | **18** |

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Verus 2026-5 Due Diligence Narrative Report Page \| 1 May 19, 2026

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**Clayton Contact Information**

**Client Service Management:** 

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| | | |
|:---|:---|:---|
| ![](tm2615156d1_ex99-29img003.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm2615156d1_ex99-29img003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 65 residential loans selected for Verus 2026-5. The loans referenced in this narrative report were reviewed from 10/2025 to 4/2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 65 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;64 | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** |

---

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

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

Verus 2026-5 Due Diligence Narrative Report Page \| 2 May 19, 2026

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Sampling

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

Review Type Loan Counts

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by<br> Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;65 | &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;65 |  |

---

Sponsor Acquisition Criteria

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

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

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by DBRS, Inc. ("DBRS") and Moody's Ratings ("Moody's").

Verus 2026-5 Due Diligence Narrative Report Page \| 3 May 19, 2026

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TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

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

Property Valuation Review

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (65 loans)

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Field
 Review

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

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

Verus 2026-5 Due Diligence Narrative Report Page \| 4 May 19, 2026

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Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

Verus 2026-5 Due Diligence Narrative Report Page \| 5 May 19, 2026

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

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

Verus 2026-5 Due Diligence Narrative Report Page \| 6 May 19, 2026

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

Data Integrity

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

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

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

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

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

Data Capture

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

Verus 2026-5 Due Diligence Narrative Report Page \| 7 May 19, 2026

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**Data Compare Results**

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

Summary of data compare results:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.92% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;93.85% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;6 | &nbsp;&nbsp;90.77% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;27 | &nbsp;&nbsp;58.46% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.69% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;95.38% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;30 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;83.08% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.92% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;93.85% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;86.15% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;83.08% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.69% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;32 | &nbsp;&nbsp;50.77% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.92% |

---

Verus 2026-5 Due Diligence Narrative Report Page \| 8 May 19, 2026

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;42 |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;**54** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**64** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;43 |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;**55** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**65** |

---

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

**Initial and Final Credit Component Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;46 |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;**56** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**64** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

Verus 2026-5 Due Diligence Narrative Report Page \| 9 May 19, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;47 |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;**57** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**65** |

---

**Initial and Final Property Valuation Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;58 |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;**62** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;2 |  |  | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**64** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;59 |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;**63** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;2 |  |  | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**65** |

---

**Initial and Final Regulatory Compliance Grade Results (Moody's)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;20 |  |  |  | &nbsp;&nbsp;**20** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**20** |

---

***\*Results may not tie to total loan count because Closed End Seconds are not rated by Moody's***

Verus 2026-5 Due Diligence Narrative Report Page \| 10 May 19, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;21 |  |  |  | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**21** |

---

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

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

| |
|:---|
| &nbsp;&nbsp;1. ASF Report |
| &nbsp;&nbsp;2. ASF Supplement |
| &nbsp;&nbsp;3. Attestation Forms |
| &nbsp;&nbsp;4. Business Purpose Supplement |
| &nbsp;&nbsp;5. Conditions Report |
| &nbsp;&nbsp;6. Cross Collateral Supplement |
| &nbsp;&nbsp;7. Loan Level Tape Compare Upload |
| &nbsp;&nbsp;8. Multi Property Valuation Report |
| &nbsp;&nbsp;9. Narrative Report |
| &nbsp;&nbsp;10. Non/QM ATR Upload |
| &nbsp;&nbsp;11. Rating Agency Grades 2.0 |
| &nbsp;&nbsp;12. Valuation Summary Reports |

---

Verus 2026-5 Due Diligence Narrative Report Page \| 11 May 19, 2026

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

Verus 2026-5 Due Diligence Narrative Report Page \| 14 May 19, 2026

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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:

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

- 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;▪ 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;▪ % 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;▪ 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;▪ 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;▪ 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;▪ Predominant occupancy

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

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

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

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

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

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

---

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

---

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

---

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto
 Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West
 Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

---

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

**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.© 2026 Clayton Services LLC. All rights reserved.

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

Verus 2026-5 Due Diligence Narrative Report Page \| 23 May 19, 2026

## Exhibit 99.30

**EXHIBIT 99.30**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-5** |
| **Start - End Dates:** | **10/14/2025 - 4/5/2026** |
| **Deal Loan Count:** | **65** |
| **Conditions Report** | **Conditions Report** |
| ***Loans in Report:*** | *65* |
| ***Loans with Conditions:*** | *22* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Property Valuations Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 851163 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 720, minimum required by G/L is 680<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied their current residence for 14.2 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2383.09 X 3 = $7149.27. Post close reserves $62,836.16 or 26.36 months PITIA |
| 854466 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing full 12 months history of mortgage payments to xxxxxx; only the xxxxxx payment was verified. | 01.26.2026 - Acknowledged by client. | 01.26.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.824%; guidelines allow 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $10,473.68, 9.45 months; 6 months required. |
| 854477 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3262 | Property issues indicated | No | Missing required Balance sheet dated within the past 90 days to determine condo warrantability. Tape reflects condo is warrantable. | 1-9-26 Client replied: For the below condition, per the HOA there isnt a balance sheet as this is xxxxxx and they just started closings a few weeks ago. Please advise if there is something we can provide in lieu of the balance sheet in order to clear this request.1-21-26 Client uploaded post close exception. 01.26.2026 - Acknowledged by client. | 1-9-26 Clayton reviewed file and responded: xxxxxx for the delay. I reviewed the budget which reflects income and expenses for 2025 so they should be able to provide a balance sheet. This is a new requirement with the xxxxxx guidelines for determination of warrantability. Tape reflects it is warrantable. I dont see any restriction on xxxxxx on LTV for Non-Warrantable condo so if it was changed to non-warrantable having a balance sheet wouldnt change the fact that it was non-warrantable. So, I could cancel the exception if it was changed. Not sure if that makes a difference in the end investor pricing. If you decide to go that route, please send updated tape. Exception remains. 1-22-26 Clayton reviewed exception which states it is for non-warrantable condo without a balance sheet. Clayton deems non-material/non-fatal to lending decision as lender is calling non-warrantable condo and the following compensating factors: 27.05 months cash reserves/6 required, 7 years at current residence and high DSCR at 1.9028. Non-material exception remains. 01.26.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: market rents:$121,000/12\*80%=$8,066 (r)/$4,239.07=1.9028<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $114673.45, 27.05 months. 6 months required. |
| 854833 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 is 4 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower only using 11% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $70,439.55, 31.07 months; 3 months required. |
| 855220 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 856126 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 8 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 684 is greater than guideline minimum 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x217 months positive consumer payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 14.14 months PITIA above guideline minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x50 months positive mortgage payment history. |
| 856695 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Does not meet Cash out seasoning per guidelines (Sec 1.8.4.1) for property located at xxxxxx. Guidelines state: "Property value based upon the lower of acquisition cost plus documented improvements or current appraised calue for any property acquired within 6-months of the note date."Property purchase price xxxxxx. Current appraised value xxxxxx. Property has been rehabed since purchase. Value of improvements not broken down on appraisal.Lender approved exception in file.Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 757/700 minimum, Cash reserves of 5.43 months/ 2 required, and minimal credit usage at 29.694%. | 05.01.2026 - Acknowledged by client. | 05.01.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 757 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $21,721.19, 5.43 months, 2 months PITIA required for each property.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 29.694%, |
| 856697 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 742 exceeds guideline requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 35.19%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $2,490,883.10 or 489.41 months PITI reserve exceeds required reserves of ($5,089.56 x 6 = $30,537.36). |
| 857368 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $34346.15 or 4.48 months of PITIA. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of793 is above the required 740 |
| 857778 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Final HUD-1 is missing in the file. | 2-3-26 Client uploaded HUD. | 2-4-26 Clayton reviewed HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 391 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $194080.51 or 89.76 months of PITIA. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38.35 is below the maximum allowable of 75<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of794 is above the required 740 |
| 857780 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | FSD score of 32.0 exceeds guideline tolerance; no desk review in file or CU score to support appraisal value. | 2-5-26 Client uploaded CDA | 2-6-26 Clayton reviewed CDA and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.63% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22.68 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 123 months of 0x30 mortgage history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 96 months of 0x30 consumer credit history per CBR. |
| 857781 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 134 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 74.36 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 28.07% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years living at primary residence. |
| 857782 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64% LTV is below the 80% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 749 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.63 months of reserves are above the 0 required. |
| 858207 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower current PITI is $1284.52; Subject PITI is $1150.26. Monthly savings of $134.26<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of689 is above the required 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $1298.84 or 1.13 months of PITIA. 0 months required. |
| 858208 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of mortgage on primary residence being in the spouse's name only as fraud report indicates borrower owns property or provide satisfactory verification of primary mortgage as required per guidelines. | 02.09.2026 - Acknowledged by client. | 02.09.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $121,372.42 or 121.43 months piti reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 is above the required 660. |
| 858208 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR of 1.0917% ($1200/$1099.24 PITI) does not meet the requirement of a DSCR of at least 1.15 for property owned less than 6 months. Per Note provided this loan is a fixed rate not an 30/10 interest only as reflected on approval and tape. | 2-2-26 Client uploaded corrected note. | 2-3-26 Clayton reviewed note and updated data. DSCR updated to 1.2006 ($1200/$999.50). Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $121,372.42 or 121.43 months piti reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for over 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 is above the required 660. |
| 858521 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 25.84 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 FICO score is above the 640 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.276% is below the 75% max. |
| 858522 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 41 points above minimum program requirement of 740.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; guidelines allow 85%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months. |
| 858523 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 126.11 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 140 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 166 months of 0x30 mortgage history per CBR. |
| 858527 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence of wires to settlement agent of xxxxxx from xxxxxx to support a portion of the total earnest money deposit on the HUD of xxxxxx. ($140,000 is a gift)Note: If any portion of this was from another party a gift letter will be required. If any portion is from a business, provide operating agreement verifying ownership. | 2-19-26 Client emailed response: 1.There is no wire to the title company for xxxxxx and hud does not show anything for xxxxxx. The earnest money of xxxxxx is the only credit on the hud (re-attached). The brother gave a gift for the emd of 140,000 total. He did 2 increments of $70,000 ($70k +$70k =$140k) This shows on final hud as part of the emd. Remaining 70k was from borrower sent on 11/23/20232. One half of the gift from the brother was wired on 9/2021 (wire re- attached) The second half he did a bank check for $70k 2/2022 cashier check and statement | 2-19-26 Clayton reviewed the wire from borrower for $70,000 to settlement agent on 11-13-23. Clayton replied: xxxxxx for emailing the documents I will upload them as they were not found in the original package. There was a typo on the exception as it should have read Wire of $70,000 not xxxxxx and total EMD of xxxxxx not xxxxxx. My xxxxxx.The exceptions are satisfied and Final grade is A.Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $90,130.38 or 14.71 months piti reserves. 0 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is above the required 640.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% consumer credit utilization in file |
| 858527 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence of gift receipt from xxxxxx totaling $140,000. Gift letter in file indicating 2 x $70,000 sent directly to title on 9-4-21 & 2-3-22. Guidelines require: Copy of donor's check to closing agent, evidence of wire transfer from donor to borrower or settlement statement showing receipt of the donor's check. Settlement statement does not specify gift receipt and deposit receipts do not specify where funds originated.Provide wire transfers or copies of checks to title company totaling $140,000. | 2-19-26 Client emailed response: 1.There is no wire to the title company for $150,000 and hud does not show anything for 290k. The earnest money of $210k is the only credit on the hud (re-attached). The brother gave a gift for the emd of 140,000 total. He did 2 increments of $70,000 ($70k +$70k =$140k) This shows on final hud as part of the emd. Remaining 70k was from borrower sent on 11/23/20232. One half of the gift from the brother was wired on 9/2021 (wire re- attached) The second half he did a bank check for $70k 2/2022 cashier check and statement | 2-19-26 Clayton reviewed the wire from donor for $70,000 to settlement agent on 9-24-21 and $70,000 cashiers check and bank statement reflecting the withdrawal from donor dated 2-2-22. Clayton replied: xxxxxx for emailing the documents I will upload them as they were not found in the original package. There was a typo on the exception as it should have read Wire of $70,000 not $150,000 and total EMD of $210,000 not $290,000. My xxxxxx. The exceptions are satisfied and Final grade is A. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $90,130.38 or 14.71 months piti reserves. 0 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is above the required 640.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% consumer credit utilization in file |
| 858528 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Provide Flood Cert. | 2-17-26 Client uploaded cert | 2-17-26 Clayton reviewed Flood cert and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 781 exceeds guideline requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70 is below guideline requirement max of 75.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $94,951.68 or 110.50 months PITI reserves exceed required 3 months. |
| 858529 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 148 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 115.80 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid-score per CBR. |
| 858531 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below maximum allowed 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $32,318.45 or 32.12 months PITI reserve exceeds required 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 781 exceeds guideline requirement of 660. |
| 858616 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 721 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.9 months of reserves are above the required 6.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 11 years mortgage history is above the required 1. |
| 858814 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $17,493.35, 7.45 months of reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 858841 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of borrower's primary housing history as required per section 1.8.2.3. Fraud report indicates xxxxxx purchased xxxxxx with a construction loan. Address is listed on the application as primary with no length of time or debt in REO information and mortgages on the credit report were opened in xxxxxx and xxxxxx. Provide evidence of primary housing or owned free and clear. | 02.23.2026 - Acknowledged by client. | 02.23.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the required 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 58.54 months of reserves are above the required 6.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments on credit report. |
| 858898 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $75,587.88, 20.02 months, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 858904 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is above the required 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $34,765.99, 11.27 months. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 95 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 40%; guidelines allows 75%. |
| 858906 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is utilizing 8% of the available revolving credit limit.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 670. Guideline minimum 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $37,284.18, 4.44 months. No reserves are required |
| 858908 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 67 months on-time payment history. Guidelines require a 12 month review.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 736. Guideline minimum 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.05% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 858909 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; guidelines allows 65%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $1,692,894.34, 63.93 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 is above the required 700. |
| 858911 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $36,421.61, 7.62 months. 6 months required. |
| 859230 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower is a Permanent Resident Alien; missing the Green Card. File contained a xxxxxx driver's license and SSI card for Work only. | 2-10-26 Client uploaded green card. | 2-11-26 Clayton reviewed docs. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 months of 0x30 mortgage history per CBR. 12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4.23 months of reserves in file; 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.63% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 64 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid-score per CBR. 600 minimum. |
| 859642 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers Fico Score of 774 is above minimum Fico Score of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.33% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 34.18 months of reserves exceeds guideline requirements of 3 months. |
| 860044 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | D | A | B | B | N/A | N/A D B | N/A | N/A D B | B | B | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | The application in the file indicates both borrowers residency status as both xxxxxx citizens and also Non-Permanent residents. Please provide clarification and documentation of the borrowers residency status. 1008 indicates passports received which were not provided. | 2-25-26 Client uploaded 1003. | 2-26-26 Clayton reviewed application indicating xxxxxx citizens. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 770. Guideline minimum 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.85%. The guideline maximum is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $94,187.97 or 40.73 months. No reserves required. |
| 860044 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | D | B | D | A | B | B | N/A | N/A D B | N/A | N/A D B | B | B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Subject does not meet the minimum square footage of 500 for a condotel. Subject property has xxxxxx square feet. Exception approval in file. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 770/660 minimum, LTV 57.85%/75% max allowed, and cash reserves of 40.73 months/0 required. | 03.17.2026 - Acknowledged by client. | 03.17.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 770. Guideline minimum 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.85%. The guideline maximum is 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $94,187.97 or 40.73 months. No reserves required. |
| 860106 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | A commercial BPO or 2nd Appraisal is required for 5+ unit properties. Please provide. | 3-11-26 Client uploaded BPO. | 3-13-26 Clayton reviewed BPO and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $104,057.67, 16.57 months; 6 months required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 740 is 40 points above minimum program requirement of 700. |
| 860324 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence of $65,000 EMD clearing (file contains Builders deposit slip dated 12-4-25 for $65k) and evidence $5,000 xxxxxx check number xxxxxx cleared the bank. $80,000 of the $150,000 EMD is verified. | 3-3-26 Client replied: please see the upl docs3-5-26 Client uploaded doc | 3-4-26 Clayton reviewed uploads and there are new documents to be reviewed. Exception remains.3-9-26 Clayton reviewed xxxxxx statement reflecting $65,000 EMD clearing. Updated total EMD clearing to $145,000 of the $150,000 EMD reflected on HUD. Cash reserves updated to $73,147.37, 12.99 months. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $73,147.37 or 12.99 months piti reserves. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 exceeds minimum 700. |
| 860453 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | $47,732.81 required to close, assets verified is girt of $42,151.40. Short $5,581.41 to close. | 3/9/26 Client provided post closing CD with adjusted credits. | 3/9/26 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 710 Credit score exceeds guidelines of 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years. |
| 860513 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | A | B | B | A | A D B | A | A D B | B | B | A | A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Borrower short funds to close, $696.14. Required is $96,069.36, funds verified, $95,373.22. Funds are xxxxxx xxxxxx xxxxxx $9119.54 and xxxxxx xxxxxx xxxxxx $86,253.68.. | 3-12-26 Client replied: attached are three statements totaling $103,318.68. (xxxxxx xxxxxx - $86,253.38; xxxxxx xxxxxx - $9,119.54; and xxxxxx xxxxxx - $7,945.46)xxxxxx Client replied: With xxxxxx xxxxxx $12,975.91 (1/7/2026) and xxxxxx xxxxxx $86,253.68 (1/31/2026) we now have $99,229.59, enough to cover the $96,069.36 cash to close. | 3-13-26 Clayton reviewed bank statements which we had the xxxxxx xxxxxx and xxxxxx xxxxxx. The xxxxxx xxxxxx is dated January 17, 2025. Please provide the January 2026 statement. Updated shortage to $666.71. Exception remains. 3-17-26 Clayton reviewed xxxxxx statement dated 1-7-26 verifying sufficient funds to close. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 7 years of mortgage history exceeds the required 1.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO score is above the 660 min.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments on credit report. |
| 860513 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | A | B | B | A | A D B | A | A D B | B | B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide final HUD-1 | 3-11-26 Client uploaded final HUD. | 3-13-26 Clayton reviewed HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 7 years of mortgage history exceeds the required 1.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO score is above the 660 min.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments on credit report. |
| 860513 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | D | B | D | A | B | B | A | A D B | A | A D B | B | B | A | A | Property Valuations | Property | Waived B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Unit xxxxxx. Per guidelines for condotel, 1 is required. Exception is in file for xxxxxx. Clayton considers this non material as borrower is experienced investor with credit score 792/660 required, 7 years of no lates on mortgages and 11 years of no lates on consumer loans. Also, subject unit in established project in short term rental marketplace. | 03.23.2026 - Acknowledged by client. | 03.23.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 7 years of mortgage history exceeds the required 1.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO score is above the 660 min.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments on credit report. |
| 860624 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing copy of the original note with xxxxxx to verify the payoff/release terms of blanket mortgage as required by guidelines (sec 1.8.2.4)Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 772/620 minimum, LTV 53.33/75% max allowed, 52.17 months cash reserves/3 required and minimal credit usage of 2%. | 02.23.2026 - Acknowledged by client. | 02.23.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 772 exceeds the minimum of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.33% is below maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $93580.89, PITI $1793.82, 52.17 months reserves, 3 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% revolving credit utilized |
| 860625 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.554% LTV is below the 65% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 37.23 months of reserves are above the required 6. |
| 860626 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | D | A | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing AVM/CDA required per guidelines when appraisal is transferred | 2.25.26 AMV uploaded2.26.26 exception satisfied | 2.26.26 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $144584.29 or 110.34 months of PITIA. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 26.24 is below the maximum allowable of 70<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of788 is above the required 740 |
| 860628 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $253,771.23 or 19.37 months PITI reserve exceeds required reserves of ($13,103.29 x 6 = $78,619.74).<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60 is below guideline requirement max of 65.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 699 exceeds guideline requirement of 660. |
| 860630 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.23%; guidelines allows 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 811 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $180,250.11, 135.57 months. 3 months required. |
| 860764 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Subject VOM was not complete. The amount of the payment was not filled in. | 3-11-26 Client uploaded VOM. | 3-13-26 Clayton reviewed VOM and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 FICO score is above the 640 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.93 months of reserves are above the required 3.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV is below the 75% max. |
| 860765 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $30012.50, 5.14 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 720 exceeds the minimum of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 yrs residing in current residence |
| 860766 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% Consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36.16 months piti reserves. 3 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 798 exceeds the minimum required 660. |
| 860767 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 793 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $65,920.95 or 66 months. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the guideline maximum of 80% |
| 860953 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 719 exceeds guideline minimum 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $29,425.40 or 4.15 months PITIA reserves meeting $0.00 reserve requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x158 months positive consumer payment history meeting 12 month guideline requirement. |
| 861536 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | A | A | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient reserves in the amount of $18984.60. Verified $18354.17. Short $630.42 | 03.17.2026 - Acknowledged by client. | 03.17.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.6441 (Rent $3468 / Expenses $2109.40)<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $391.01/month or 15.64%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 704 exceeds the minimum of 700 |
| 861540 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $38,327.83, 13.56 months. 3 months required. |
| 861583 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 731 is greater than guideline minimum 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x144 months positive consumer payment history.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 6 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI 43.90% is less than guideline maximum 49.99%. |
| 862254 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 115.76 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 25.30%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 786 >86 points above guideline program minimum of 700. |
| 862255 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 115.55 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 FICO score is above the 620 min. |
| 862257 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $79287.10 or 22.4 months of PITIA. 6 months required.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional 10% to required 30% down payment.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60 is below the maximum allowable of 70 |
| 862258 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The City name for the subject property on the Note and on the legal description attached to the Mortgage is spelled incorrectly. It is spelled xxxxxx, the correct spelling is xxxxxx. | 3-24-26 Client replied: uploaded corrected Note | 3-24-26 Clayton reviewed updated note. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 6 months of mortgage history is above the required 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 31.57 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 FICO score is above the 700 min. |
| 862937 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 84.86 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $71,292.09 or 18.63 months PITI reserve exceeds required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 777 exceeds guideline requirement of 740. |
| 863053 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER113 | Loan amount is below guideline minimum | No | Minimum loan amount is $100,000; this transaction closed at xxxxxx. Signed exception in file. | 03.30.2026 - Acknowledged by client | 03.30.2026 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 88.42 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 78 months of 0x30 consumer credit history per CBR. |
| 863055 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 20 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds the required 12 months |
| 863056 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is above required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.43 months piti reserves. 9 required. |
| 863060 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 720 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $26352.48, 26.71 months reserves, 3 months required |
| 863065 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 66 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 mid-score per CBR. 680 minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3.31 months of reserves in file. 0 required. |
| 863069 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 FICO score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.5% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82.4 months of reserves are above the required 6. |
| 863070 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.182% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 96.44 months of reserves are above the required 6.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 FICO score is above the 680 min. |
| 863072 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | A | A | C | A | N/A | N/A C | N/A | N/A C | C | A | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Desk Review is not acceptable as it was completed on appraisal with a different value. Desk review in file was completed on appraisal with value of xxxxxx and appraisal has value of xxxxxx. Provide corrected appraisal and/or corrected updated valuation. | 3-27-26 Client replied: Please use this CDA. The CDA value is lower; however, it references the correct appraised value. Variance is still within tolerance. | 3-27-26 Clayton reviewed CDA and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.593% LTV is below the 65% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 80.83 months of reserves are above the 6 required. |
| 863075 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for the past 6 years and 0 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 51.66 months of reserves exceeds guideline requirements of 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 720 > 20 points above guideline program minimum of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 15.94% |

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## Exhibit 99.31

**EXHIBIT 99.31**

**clayton loan level tape compare upload**

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| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-5 |
| **Start - End Dates:** | 10/14/2025 - 04/05/2026 |
| **Deal Loan Count:** | 65 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 851163 | xxxxxx | Months Reserves | 26.00 | 26.37 |
| 854466 | xxxxxx | Months Reserves | 9.00 | 9.45 |
| 854466 | xxxxxx | Total Cash Out | (2414.41) | 2414.41 |
| 854477 | xxxxxx | Cash Reserves | 136733.68 | 114673.45 |
| 854477 | xxxxxx | Months Reserves | 27.00 | 27.05 |
| 854477 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 854477 | xxxxxx | Total Cash Out | 22060.23 | 0.00 |
| 855220 | xxxxxx | Documentation Type | No Doc | DSCR |
| 855220 | xxxxxx | Property Type | SFR | Detached PUD |
| 856126 | xxxxxx | Property Type | SFR | 3 Family |
| 856695 | xxxxxx | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 856697 | xxxxxx | Cash Reserves | 2716537.73 | 2490883.10 |
| 856697 | xxxxxx | Months Reserves | 578.00 | 489.41 |
| 856697 | xxxxxx | Total Cash Out | 224751.13 | 0.00 |
| 857368 | xxxxxx | Cash Reserves | 302538.51 | 34346.15 |
| 857368 | xxxxxx | Months Reserves | 4.00 | 4.48 |
| 857368 | xxxxxx | Total Cash Out | 268289.46 | 0.00 |
| 857778 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 857780 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 857781 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 857781 | xxxxxx | Total Cash Out | 233239.23 | 233169.37 |
| 857782 | xxxxxx | Borrower DSCR Percent | 1.5308 | 1.0971 |
| 857782 | xxxxxx | Total Cash Out | 3952.43 | 0.00 |
| 858207 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 858207 | xxxxxx | Total Cash Out | 5977.18 | 0.00 |
| 858208 | xxxxxx | Cash Reserves | 3120.87 | 121372.42 |
| 858208 | xxxxxx | Credit Report Date | xxxxxx | xxxxxx |
| 858208 | xxxxxx | Months Reserves | 125.00 | 121.43 |
| 858208 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 858208 | xxxxxx | Representative Credit Score for Grading | 660 | 710 |
| 858521 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 858521 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 858521 | xxxxxx | Total Cash Out | (4551.02) | 4551.02 |
| 858522 | xxxxxx | Cash Reserves | 357089.76 | 0.00 |
| 858522 | xxxxxx | Months Reserves | 378.00 | 0.00 |
| 858522 | xxxxxx | Total Cash Out | 166680.81 | 0.00 |
| 858523 | xxxxxx | Cash Reserves | 70829.53 | 165668.50 |
| 858523 | xxxxxx | Months Reserves | 180.00 | 126.11 |
| 858523 | xxxxxx | Total Cash Out | 165639.37 | 165668.50 |
| 858527 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 858527 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 858527 | xxxxxx | Total Cash Out | 43290.88 | 0.00 |
| 858528 | xxxxxx | Cash Reserves | 4143.56 | 94951.68 |
| 858528 | xxxxxx | Months Reserves | 115.00 | 110.50 |
| 858529 | xxxxxx | Cash Reserves | 157.00 | 110077.79 |
| 858529 | xxxxxx | Months Reserves | 117.00 | 115.80 |
| 858531 | xxxxxx | Cash Reserves | 4143.56 | 32318.45 |
| 858531 | xxxxxx | Months Reserves | 36.00 | 32.12 |
| 858531 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 858616 | xxxxxx | Cash Reserves | 281211.61 | 173208.11 |
| 858616 | xxxxxx | Months Reserves | 31.00 | 44.13 |
| 858616 | xxxxxx | Total Cash Out | 159142.91 | 0.00 |
| 858814 | xxxxxx | Cash Reserves | 48330.03 | 17493.35 |
| 858814 | xxxxxx | Combined LTV | 56.06 | 60.00 |
| 858814 | xxxxxx | Months Reserves | 34.00 | 7.45 |
| 858814 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 858814 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 858814 | xxxxxx | Total Cash Out | 30836.68 | 0.00 |
| 858841 | xxxxxx | Cash Reserves | 70594.52 | 263847.43 |
| 858841 | xxxxxx | Months Reserves | 59.00 | 58.54 |
| 858898 | xxxxxx | Cash Reserves | 240324.49 | 75587.88 |
| 858898 | xxxxxx | Combined LTV | 67.36 | 70.00 |
| 858898 | xxxxxx | Months Reserves | 20.00 | 20.02 |
| 858898 | xxxxxx | Total Cash Out | 165244.61 | 0.00 |
| 858904 | xxxxxx | Borrower DSCR Percent | 2.4905 | 3.1132 |
| 858906 | xxxxxx | Cash Reserves | 275932.73 | 37284.18 |
| 858906 | xxxxxx | Combined LTV | 68.88 | 75.00 |
| 858906 | xxxxxx | Months Reserves | 4.00 | 4.44 |
| 858906 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 858906 | xxxxxx | Total Cash Out | 245261.92 | 0.00 |
| 858908 | xxxxxx | Total Cash Out | (1.30) | 1.30 |
| 858909 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 858909 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 858911 | xxxxxx | Borrower 1 Total Income | 2717.94 | 0.00 |
| 858911 | xxxxxx | Cash Reserves | 245935.08 | 36421.61 |
| 858911 | xxxxxx | Combined LTV | 71.97 | 75.00 |
| 858911 | xxxxxx | Months Reserves | 8.00 | 7.62 |
| 858911 | xxxxxx | Total Cash Out | 209513.47 | 0.00 |
| 858911 | xxxxxx | Total Monthly Income | 2717.94 | 0.00 |
| 859230 | xxxxxx | Cash Reserves | 768356.71 | 27094.57 |
| 859230 | xxxxxx | Combined LTV | 48.33 | 50.63 |
| 859230 | xxxxxx | Months Reserves | 5.00 | 4.23 |
| 859230 | xxxxxx | Total Cash Out | 738347.10 | 0.00 |
| 860044 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 860044 | xxxxxx | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 860044 | xxxxxx | Borrower DSCR Percent | 3.0445 | 2.6838 |
| 860044 | xxxxxx | Cash Reserves | 113083.44 | 94187.97 |
| 860044 | xxxxxx | Combined LTV | 54.59 | 57.85 |
| 860044 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 860044 | xxxxxx | Representative Credit Score for Grading | 716 | 770 |
| 860044 | xxxxxx | Total Cash Out | 37841.45 | 0.00 |
| 860324 | xxxxxx | Cash Reserves | 159467.86 | 73147.37 |
| 860324 | xxxxxx | Combined LTV | 72.75 | 75.00 |
| 860324 | xxxxxx | Months Reserves | 39.00 | 12.99 |
| 860324 | xxxxxx | Total Cash Out | 52767.14 | 0.00 |
| 860453 | xxxxxx | Documentation Type | Alt Doc | Full Doc |
| 860453 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 860453 | xxxxxx | Property Type | Condotel | Low Rise Condo (1-4) |
| 860513 | xxxxxx | Cash Reserves | 103318.68 | 3189.66 |
| 860513 | xxxxxx | Months Reserves | 86.00 | 1.38 |
| 860513 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 860513 | xxxxxx | Total Cash Out | 96011.42 | 0.00 |
| 860628 | xxxxxx | Borrower DSCR Percent | 1.3355 | 1.45 |
| 860628 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 860628 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 860628 | xxxxxx | Total Cash Out | 250175.87 | 253771.23 |
| 860630 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 860764 | xxxxxx | Cash Reserves | 49912.78 | 77562.38 |
| 860764 | xxxxxx | Months Reserves | 23.00 | 35.93 |
| 860764 | xxxxxx | Total Cash Out | 367.04 | 4527.75 |
| 860765 | xxxxxx | Cash Reserves | 264419.21 | 30012.50 |
| 860765 | xxxxxx | Months Reserves | 3.00 | 5.14 |
| 860765 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 860765 | xxxxxx | Total Cash Out | 247768.39 | 0.00 |
| 860766 | xxxxxx | Cash Reserves | 49912.78 | 76654.33 |
| 860766 | xxxxxx | Months Reserves | 24.00 | 36.16 |
| 860766 | xxxxxx | Total Cash Out | 1275.09 | 3736.30 |
| 860767 | xxxxxx | Total Cash Out | (2106.80) | 2106.80 |
| 860953 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 861536 | xxxxxx | Borrower DSCR Percent | 1.3140 | 1.6441 |
| 861536 | xxxxxx | Months Reserves | 10.00 | 8.70 |
| 861540 | xxxxxx | Cash Reserves | 250000.00 | 38327.83 |
| 861540 | xxxxxx | Months Reserves | 102.00 | 13.56 |
| 861540 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 861583 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 862254 | xxxxxx | Borrower DSCR Percent | 0.8237 | 3.0165 |
| 862254 | xxxxxx | Cash Reserves | 1112543.61 | 983717.99 |
| 862254 | xxxxxx | Months Reserves | 131.00 | 115.76 |
| 862254 | xxxxxx | Total Cash Out | 977217.99 | 983717.99 |
| 862255 | xxxxxx | Total Cash Out | 500813.23 | 495231.79 |
| 862257 | xxxxxx | Cash Reserves | 126153.01 | 79287.10 |
| 862257 | xxxxxx | Months Reserves | 43.00 | 22.40 |
| 862257 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 862257 | xxxxxx | Total Cash Out | 24432.64 | 0.00 |
| 862258 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 862258 | xxxxxx | Cash Reserves | 167275.53 | 86706.19 |
| 862258 | xxxxxx | Months Reserves | 92.00 | 31.57 |
| 862258 | xxxxxx | Representative Credit Score for Grading | 705 | 709 |
| 862937 | xxxxxx | Borrower 1 Total Income | 28932.09 | 28932.10 |
| 862937 | xxxxxx | Combined LTV | 16.07 | 84.86 |
| 862937 | xxxxxx | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 862937 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 862937 | xxxxxx | Total Cash Out | 70448.59 | 81305.09 |
| 862937 | xxxxxx | Total Monthly Income | 28932.09 | 28932.10 |
| 863053 | xxxxxx | Months Reserves | 3.00 | 88.42 |
| 863053 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 863056 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 863060 | xxxxxx | Borrower 2 First Name | xxxxxx | xxxxxx |
| 863060 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 863060 | xxxxxx | Representative Credit Score for Grading | 711 | 720 |
| 863065 | xxxxxx | Cash Reserves | 49447.22 | 5447.22 |
| 863065 | xxxxxx | Months Reserves | 3.00 | 3.31 |
| 863065 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 863065 | xxxxxx | Representative Credit Score for Grading | 696 | 695 |
| 863065 | xxxxxx | Total Cash Out | 44000.00 | 0.00 |
| 863069 | xxxxxx | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 863069 | xxxxxx | Representative Credit Score for Grading | 680 | 735 |
| 863070 | xxxxxx | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 863070 | xxxxxx | Representative Credit Score for Grading | 680 | 735 |
| 863072 | xxxxxx | Product Type | 30 Yr Fixed Interest Only | 30 yr Fixed - 10 yr IO |
| 863072 | xxxxxx | Representative Credit Score for Grading | 680 | 735 |
| 863075 | xxxxxx | Total Cash Out | 569717.62 | 569667.62 |

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©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.32

**EXHIBIT 99.32**

**clayton non ATR QM Upload**

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| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-5** |
| **Start - End Dates:** | **10/14/2025 - 04/05/2026** |
| **Deal Loan Count:** | **65** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *65* |

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| **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** |
| 851163 | 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 | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | -2383.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (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 | 6.8750 | 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) | -1108.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1250.00 | 1.1276 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 3.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4239.07 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8066.00 | No | (No Data) | 1.9028 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 854833 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2266.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | 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 | 2550.00 | No | (No Data) | 1.1249 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 855220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3385.87 | 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 | 3000.00 | No | (No Data) | 0.91 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 856126 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -20173.62 | 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 | 10450.00 | No | (No Data) | 1.0642 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 856695 | 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 | Yes | 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) | -3997.72 | 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) | Yes | No | Yes | 5350.00 | No | (No Data) | 1.3383 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 856697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 7 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | No | 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) | -5089.56 | 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 | 5113.00 | No | (No Data) | 1.0046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 857368 | 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 | 7.2500 | 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) | -7670.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7874.00 | No | (No Data) | 1.0265 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 857778 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -2162.21 | 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 | 3499.00 | No | (No Data) | 1.6182 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 857780 | 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% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -7554.56 | 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 | 7800.00 | No | (No Data) | 1.0325 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 857781 | 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 | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3252.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 2.4596 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 857782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 3.25 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1959.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.0971 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Employment Authorization Document | (No Data) | (No Data) |
| 858207 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1150.26 | 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) | 1.6083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858208 | 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 | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -999.5 | 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 | 1200.00 | No | (No Data) | 1.2006 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858521 | 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) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11275.33 | 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 | 14100.00 | No | (No Data) | 1.2505 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858522 | 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% of amt prepd | (No Data) | No | Yes | 1 | 6.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1386.04 | 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 | 2800.00 | No | (No Data) | 2.0201 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858523 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.1250 | 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) | -1313.68 | 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) | 1.4463 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6126.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 8500.00 | No | (No Data) | 1.3875 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858528 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -859.27 | 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 | 1350.00 | No | (No Data) | 1.5711 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858529 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -950.56 | 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) | 1.4728 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858531 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -1006.33 | 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) | 1.4906 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 5 | 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) | -3924.98 | 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 | 4413.00 | No | (No Data) | 1.1243 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2348.94 | 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 | 2400.00 | No | (No Data) | 1.0217 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 5+ Units | 8 | 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 | 8.8750 | 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) | -4507.26 | 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 | 7240.00 | No | (No Data) | 1.6063 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | 4 Family | 4 | 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 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3775.93 | 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 | No | Yes | 4940.00 | No | (No Data) | 1.3083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858904 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.5000 | 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) | -3083.67 | 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 | 9600.00 | No | (No Data) | 3.1132 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 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 | 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) | -8398.97 | 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 | Yes | Yes | 12800.00 | No | (No Data) | 1.5240 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858908 | 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) | Rate and Term 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) | -4003.22 | 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 | 5120.00 | No | (No Data) | 1.2790 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 858909 | 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 | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -26480.82 | 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 | 26746.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 858911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4782.06 | 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 | 4804.00 | No | (No Data) | 1.0046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 859230 | 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 | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.2500 | 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) | -6399.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7125.00 | No | (No Data) | 1.1134 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 859642 | 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 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5063.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6100.00 | No | (No Data) | 1.2046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 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 | 6.2500 | 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) | -2312.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6206.00 | No | (No Data) | 2.6838 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 5 | 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 | 8.8750 | 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) | -6279.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8700.00 | No | (No Data) | 1.3854 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5630.56 | 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 | 6038.00 | No | (No Data) | 1.0724 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0016 | No | No | 1.19 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.62 | 48.39 | 49.62 | 48.39 | 48.39 | 48.39 | No | No | (No Data) | 8132.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 25 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 860513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Condotel | 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 | 6.6250 | 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) | -2313.2 | 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 | 3060.00 | No | (No Data) | 1.3228 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860624 | 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) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | -1793.82 | 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 | 2895.00 | No | (No Data) | 1.6139 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860625 | 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) | -11262.46 | 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 | 9800.00 | No | (No Data) | 0.8701 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860626 | 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 | 6.2500 | 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) | -1310.38 | 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 | 2500.00 | 1.9078 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 860628 | 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) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | -13103.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 19000.00 | No | (No Data) | 1.4500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860630 | 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 | Yes | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1329.62 | 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 | 2050.00 | No | (No Data) | 1.5418 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860764 | 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 | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (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) | -2158.81 | 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 | 2650.00 | No | (No Data) | 1.2275 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 860765 | 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 | 7.3750 | 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) | -5840.05 | 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 | 8334.00 | No | (No Data) | 1.4270 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860766 | 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 | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (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) | -2119.8 | 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 | 2600.00 | No | (No Data) | 1.2265 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 860767 | 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 amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | 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) | -998.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1275.00 | 1.2765 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 860953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3216 | No | No | 1.491 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.01 | 46.01 | 46.01 | 46.01 | 46.01 | 46.01 | No | No | (No Data) | 10527.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 25 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 861536 | 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 | 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) | -2109.4 | 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 | 3468.00 | No | (No Data) | 1.6441 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 861540 | 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 | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2827.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5800.00 | No | (No Data) | 2.0513 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 861583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9012 | No | No | 1.479 | 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 | 44.54 | 43.9 | 44.54 | 43.9 | 43.9 | 43.9 | No | No | (No Data) | 25987.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 862254 | 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 | 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) | -8498.09 | Yes | 60 | Yes | Yes | 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 | 25634.11 | No | (No Data) | 3.0165 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 862255 | 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 | 6.5000 | 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) | -4885.19 | 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 | 7653.00 | No | (No Data) | 1.5666 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 862257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3539.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8160.00 | No | (No Data) | 2.3055 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 862258 | 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 | 6.8750 | 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) | -2746.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4195.00 | No | (No Data) | 1.5272 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 862937 | 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 | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 11.2305 | Yes | Yes | 1.579 | 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 | 26.41 | 26.58 | 26.41 | 26.58 | 26.58 | 26.58 | No | No | (No Data) | 21242.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 863053 | 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 | 7.5000 | 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) | -981.62 | 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 | 1000.00 | No | (No Data) | 1.0187 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 863055 | 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 | Not Applicable | (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) | -968.93 | 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 | No | No | (No Data) | Yes | 1400.00 | 1.4449 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 863056 | 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 amount prepaid in years 1-5 | (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) | -872.85 | 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 | 1100.00 | No | (No Data) | 1.2602 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 863060 | 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 amount prepaid in years 1-5 | (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) | -986.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.4190 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 863065 | 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) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8291 | No | No | 2.572 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | 45.24 | No | Yes | Yes | 2658.32 | 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) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 863069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2499 | 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) | -2996.28 | 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) | 1.0012 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 863070 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2990.79 | 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 | 3000.00 | No | (No Data) | 1.0031 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 863072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | 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) | -5437.57 | 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) | 1.1034 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 863075 | 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 | 6.5000 | 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) | -11027.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 14000.00 | No | (No Data) | 1.2695 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.33

**EXHIBIT 99.33**

**claYton rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-5** |
| **Start - End Dates:** | **10/14/2025 - 04/05/2026** |
| **Deal Loan Count:** | **65** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *65* |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 851163 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854466 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A |
| 854477 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | A | A | N/A | N/A |
| 854833 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 855220 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856126 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856695 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A |
| 856697 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 857368 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 857778 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A |
| 857780 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | D | A | N/A | N/A |
| 857781 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 857782 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858207 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858208 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | A | A | N/A | N/A |
| 858521 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858522 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858523 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858527 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | A | A |
| 858528 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A |
| 858529 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858531 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858616 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858814 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858841 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | A | A |
| 858898 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858904 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858906 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858908 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 858909 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 858911 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859230 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A |
| 859642 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860044 | No | xxxxxx | xxxxxx D B A | N/A | N/A D B | N/A | N/A | D | B | D | A | B | B | N/A | N/A D B | N/A | N/A D B | B | B | N/A | N/A |
| 860106 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | A | A | D | A | N/A | N/A D | N/A | N/A D | D | A | N/A | N/A |
| 860324 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A |
| 860453 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | A | A |
| 860513 | No | xxxxxx | xxxxxx D B A | A | A D B | A | A | D | B | D | A | B | B | A | A D B | A | A D B | B | B | A | A |
| 860624 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A |
| 860625 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 860626 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | A | A | D | A | A | A D | A | A D | D | A | A | A |
| 860628 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 860630 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 860764 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A |
| 860765 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 860766 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 860767 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 860953 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 861536 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | A | A |
| 861540 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 861583 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 862254 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 862255 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 862257 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 862258 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | A | A | N/A | N/A |
| 862937 | Yes | xxxxxx | xxxxxx A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | A | A |
| 863053 | No | xxxxxx | xxxxxx B A | N/A | N/A B | N/A | N/A | B | B | B | B | A | A | N/A | N/A B | N/A | N/A B | A | A | N/A | N/A |
| 863055 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 863056 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 863060 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 863065 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 863069 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 863070 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| 863072 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | A | A | C | A | N/A | N/A C | N/A | N/A C | C | A | N/A | N/A |
| 863075 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |

---

## Exhibit 99.34

**EXHIBIT 99.34**

**claYton Valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-5 |
| **Start - End Dates:** | 10/14/2025 - 4/5/2026 |
| **Deal Loan Count:** | 65 |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *65* |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 851163 | xxxxxx | $0.00 | xxxxxx | 07/18/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854466 | xxxxxx | $0.00 | xxxxxx | 11/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854477 | xxxxxx | xxxxxx | xxxxxx | 11/07/2025 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 854833 | xxxxxx | $0.00 | xxxxxx | 11/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 855220 | xxxxxx | $0.00 | xxxxxx | 11/25/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/10/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 856126 | xxxxxx | $0.00 | xxxxxx | 10/16/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 856695 | xxxxxx | $0.00 | xxxxxx | 10/17/2025 | xxxxxx | MP |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/02/2026 | xxxxxx | xxxxxx | -67.68% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 856697 | xxxxxx | xxxxxx | xxxxxx | 11/06/2025 | xxxxxx | Other |  | $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 | Other | 12/04/2025 | xxxxxx | xxxxxx | 0.68% | (No Data) |
| 857368 | xxxxxx | xxxxxx | xxxxxx | 12/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 857778 | xxxxxx | $0.00 | xxxxxx | 12/27/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 857780 | xxxxxx | $0.00 | xxxxxx | 10/21/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 10/16/2025 | xxxxxx | xxxxxx | -4.47% | xxxxxx | 68 | xxxxxx | 10/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 857781 | xxxxxx | $0.00 | xxxxxx | 01/19/2026 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/28/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 857782 | xxxxxx | $0.00 | xxxxxx | 12/10/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 858207 | xxxxxx | $0.00 | xxxxxx | 11/24/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/06/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858208 | xxxxxx | $0.00 | xxxxxx | 12/11/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/05/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 858521 | xxxxxx | $0.00 | xxxxxx | 12/26/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/07/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858522 | xxxxxx | xxxxxx | xxxxxx | 01/05/2026 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/14/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858523 | xxxxxx | $0.00 | xxxxxx | 01/05/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/12/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 858527 | xxxxxx | xxxxxx | xxxxxx | 01/05/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 858528 | xxxxxx | $0.00 | xxxxxx | 12/03/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 858529 | xxxxxx | $0.00 | xxxxxx | 12/05/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 858531 | xxxxxx | $0.00 | xxxxxx | 12/15/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/26/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858616 | xxxxxx | xxxxxx | xxxxxx | 11/18/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 12/16/2025 | xxxxxx | xxxxxx | 4.38% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858814 | xxxxxx | xxxxxx | xxxxxx | 01/06/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/14/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 858841 | xxxxxx | $0.00 | xxxxxx | 11/20/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 01/28/2026 | xxxxxx | xxxxxx | -5.81% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858898 | xxxxxx | xxxxxx | xxxxxx | 12/29/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/08/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858904 | xxxxxx | $0.00 | xxxxxx | 10/12/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 858906 | xxxxxx | xxxxxx | xxxxxx | 01/08/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 858908 | xxxxxx | $0.00 | xxxxxx | 01/12/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 01/19/2026 | xxxxxx | xxxxxx | 7.62% | xxxxxx | 88 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 858909 | xxxxxx | $0.00 | xxxxxx | 12/22/2025 | xxxxxx | 1004 SFR (Mar 05) | 01/06/2026 | xxxxxx | xxxxxx | -6.67% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 858911 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 859230 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 01/15/2026 | xxxxxx | xxxxxx | -7.42% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 859642 | xxxxxx | $0.00 | xxxxxx | 11/26/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 12/12/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 860044 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 860106 | xxxxxx | $0.00 | xxxxxx | 02/03/2026 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 02/07/2026 | xxxxxx | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 860324 | xxxxxx | xxxxxx | xxxxxx | 10/17/2025 | xxxxxx | Other |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 12/02/2025 | xxxxxx | xxxxxx | 7.14% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 860453 | xxxxxx | $0.00 | xxxxxx | 02/11/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/24/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 860513 | xxxxxx | $0.00 | xxxxxx | 01/22/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 860624 | xxxxxx | $0.00 | xxxxxx | 12/19/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/07/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 860625 | xxxxxx | $0.00 | xxxxxx | 11/17/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 860626 | xxxxxx | $0.00 | xxxxxx | 12/28/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 01/07/2026 | xxxxxx | xxxxxx | -5.51% | xxxxxx | 87 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 860628 | xxxxxx | $0.00 | xxxxxx | 12/29/2025 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 01/07/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 860630 | xxxxxx | $0.00 | xxxxxx | 01/20/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 860764 | xxxxxx | $0.00 | xxxxxx | 01/20/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 01/26/2026 | xxxxxx | xxxxxx | -3.01% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 860765 | xxxxxx | xxxxxx | xxxxxx | 01/05/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 01/13/2026 | xxxxxx | xxxxxx | -0.69% | xxxxxx | 88 | xxxxxx | 01/15/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 860766 | xxxxxx | $0.00 | xxxxxx | 01/21/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 01/26/2026 | xxxxxx | xxxxxx | 11.80% | xxxxxx | 94 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 860767 | xxxxxx | $0.00 | xxxxxx | 01/14/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/02/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 860953 | xxxxxx | xxxxxx | xxxxxx | 02/09/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/17/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 861536 | xxxxxx | $0.00 | xxxxxx | 02/06/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 02/18/2026 | xxxxxx | xxxxxx | 9.16% | xxxxxx | 90 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 861540 | xxxxxx | $0.00 | xxxxxx | 01/05/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 861583 | xxxxxx | $0.00 | xxxxxx | 01/04/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/11/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 862254 | xxxxxx | $0.00 | xxxxxx | 02/19/2026 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/25/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 862255 | xxxxxx | $0.00 | xxxxxx | 02/10/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 862257 | xxxxxx | xxxxxx | xxxxxx | 01/09/2026 | xxxxxx | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 862258 | xxxxxx | $0.00 | xxxxxx | 01/23/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 02/19/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 862937 | xxxxxx | $0.00 | xxxxxx | 07/29/2025 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 863053 | xxxxxx | $0.00 | xxxxxx | 02/17/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 863055 | xxxxxx | $0.00 | xxxxxx | 01/31/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 863056 | xxxxxx | $0.00 | xxxxxx | 02/19/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 863060 | xxxxxx | $0.00 | xxxxxx | 03/02/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 863065 | xxxxxx | xxxxxx | xxxxxx | 02/18/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/19/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 863069 | xxxxxx | $0.00 | xxxxxx | 02/24/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 03/03/2026 | xxxxxx | xxxxxx | 15.44% | xxxxxx | 92 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 863070 | xxxxxx | $0.00 | xxxxxx | 02/24/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 02/27/2026 | xxxxxx | xxxxxx | -5.82% | xxxxxx | 90 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 863072 | xxxxxx | $0.00 | xxxxxx | 03/04/2026 | xxxxxx | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/13/2026 | xxxxxx | xxxxxx | -8.04% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 863075 | xxxxxx | $0.00 | xxxxxx | 02/26/2026 | xxxxxx | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 03/11/2026 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

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## Exhibit 99.35

**EXHIBIT 99.35**

**Clayton Multi Property Valuation Report**

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| **Customer Loan ID** | **Loan Flag** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Release Price** | **Release Provision** | **Rate Type Code** | **Loan Product** | **Lien Type** | **Original Rate** | **Original Monthly PI Payment** | **Borrower FICO** | **Coborrower FICO** | **FICO Date** | **Appraisal Date** | **Owner Occupancy** | **Property Type** | **Appraisal Form** | **Appraisal Value** | **Purchase Price** | **Property Value for LTV** | **Updated Appraisal Value** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Appraisal Variance Amount** | **Appraisal Variance Percent** | **Originator Original LTV** | **Combined LTV** | **ARM Index** | **Interest Only Period** | **Original Maturity Term** | **Original Amortization Term** | **Prepayment Penalty Months** | **Prepay Penalty Type** | **Note Date** | **First Payment Date** | **Maturity Date** | **Property Units** | **Loan Purpose** | **Foreign National Flag** | **Documentation Type** | **T & I & A Payment** | **Mortgage Type** | **ARM Margin** | **Minimum Rate Life Floor** | **Maximum Rate** | **Initial Periodic Cap** | **Life Rate Cap** | **Subsequent Periodic Cap** | **Payment Adjustment Frequency** | **Rate Adjustment Frequency** | **Borrower ID** | **Cross Default Loan Count** | **Market Rent** | **Rent in Place from Lease** | **Type of Rent to Qualify** | **Rented Flag** | **Originator Original DSCR** | **Personal Guarantor** | **Annual HOA** | **First Time Investor** | **Reserve Amount** | **Origination Channel** |
| 856695 |  |  |  |  |  |  |  |  | xxxxxx | Note does not indicate an amount | Third Party source reflects 120% | Fixed | 30 yr /10 IO - NONI Blanket | 1 | 6.75 | $2296.13 | N/A (LLC) | 757 | 10/3/2025 |  | Non-Owner Occupied |  |  | xxxxxx | refinance | xxxxxx |  |  |  |  |  | 65 | 65 | N/A | 120 | 360 | 360 | 60 | 5% of amt prepd | xxxxxx | xxxxxx | xxxxxx |  | Cash out refi | N/A | DSCR | 1701.59 | 30Yr/10IO | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | 6300 | 5350 |  |  |  | xxxxxx | 0 | No |  | Broker A |
| 856695-1 |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | 340.06 |  |  |  | xxxxxx |  | SFR | 1004 | xxxxxx | N/A | xxxxxx | N/A | N/A | CU score 1.6 | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | 256.72 |  |  |  |  |  |  |  |  |  |  |  | 1000 | 800 | Lease | Yes |  |  | 0 |  |  | A |
| 856695-2 |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | 365.54 |  |  |  | xxxxxx |  | SFR | 1004 | xxxxxx | N/A | xxxxxx | xxxxxx | xxxxxx | CDA | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | 293.24 |  |  |  |  |  |  |  |  |  |  |  | 1150 | 800 | Lease | Yes |  |  |  |  |  | A |
| 856695-3 |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | 376.57 |  |  |  | xxxxxx |  | SFR | 1004 | xxxxxx | N/A | xxxxxx | xxxxxx | xxxxxx | CDA | $0.00 | 0.00% |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | 289.26 |  |  |  |  |  |  |  |  |  |  |  | 1250 | 950 | Lease | Yes |  |  |  |  |  | A |
| 856695-4 |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | 383.91 |  |  |  | xxxxxx |  | SFR | 1004 | xxxxxx | N/A | xxxxxx | N/A | N/A | CU score 1.1 | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | 312.52 |  |  |  |  |  |  |  |  |  |  |  | 1100 | 1000 | Lease | Yes |  |  |  |  |  | A |
| 856695-5 |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | 830.05 |  |  |  | xxxxxx |  | SFR | 1004 | xxxxxx | N/A | xxxxxx | N/A | N/A | CU Score 2 | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | 1 |  |  |  | 549.85 |  |  |  |  |  |  |  |  |  |  |  | 1800 | 1800 | Lease | Yes |  |  |  |  |  | A |

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